San Joaquin County property record for 16977 Bach Dr, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,444 sqft · built 2020 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $494,500 (Dec 2020) |
| Tax Bill | $10,989 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 210-440-260-000 |
| Primary APN | 210-440-260-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,444 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Area | 482 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16977 BACH DR |
|---|---|
| City | LATHROP |
| State | CA |
| Zip | 95330-9285 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 26 RIVER ISLANDS STAGE 2A VILLAGE AA TRACT 4 |
| Legal Subdivision | RIVER ISLANDS-STAGE 2A VL |
| Legal Tract | 4 |
| Legal Block | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 5214 |
16977 Bach Dr is owned and occupied by two individuals who bought it in December 2020.
Source: San Joaquin County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16977 BACH DR, LATHROP, CA 95330-9285 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jul 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Dec 3, 2020 | Grant Deed, Subdivision Related Transfer · Conventional with PMI STEARNS LNDG LLC |
| Aug 25, 2020 | Deed of Trust, Construction Loan · Line of Credit WELLS FARGO BK |
| Mar 6, 2020 | Loan Modification, Mortgage · Line of Credit WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2020 · Amount on File |
| Deed Sale | Dec 3, 2020 · Amount on File |
| Deed Document Number | 2020169231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 16977 BACH DR, LATHROP, CA 95330-9285 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 16977 BACH DR, LATHROP, CA 95330-9285 |
| Document Number | 0000128160 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021-128160 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 3, 2020 |
| Property Address | 16977 BACH DR, LATHROP, CA 95330-9285 |
| Document Number | 0000169231 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 169231 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $544.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 16977 BACH DR LATHROP CA 953309285, LATHROP, CA 95330-9285 |
| Document Number | 169232 |
|---|---|
| Date | Dec 3, 2020 |
| Instrument | 169232 |
| Name | STEARNS LNDG LLC |
|---|---|
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Aug 25, 2020 |
| Property Address | 16977 BACH DR, LATHROP, CA 95330-9285 |
| Document Number | 0000107415 |
| Instrument Date | Aug 19, 2020 |
| Instrument | 107415 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 17, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Partnership |
| Address | 3001 DOUGLAS BLVD #200 ROSEVILLE CA 956613809, 200, ROSEVILLE, CA 95661-3809 |
| Document Number | 0000107415 |
|---|---|
| Date | Aug 25, 2020 |
| Instrument | 107415 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 1572 EUREKA RD # 350, ROSEVILLE, CA 95661 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 16977 BACH DR, LATHROP, CA 95330-9285 |
| Document Number | 0000033804 |
| Instrument Date | Mar 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 3001 DOUGLAS BLVD #200 ROSEVILLE CA 956613809, 200, ROSEVILLE, CA 95661-3809 |
| Document Number | 0000033804 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 33804 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | 1512 EUREKA RD # 350, ROSEVILLE, CA 95661-3070 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 16977 Bach Dr was $10,989, up 1.9% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Lathrop City |
| Unified School District | Banta Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,989.00 (+1.87%) | ||
| 2025 | $10,787.00 | $534,815 Land $129,890 Building $404,925 | |
| 2023 | $10,312.00 (+2.05%) | $514,050 Land $124,848 Building $389,202 | $643,500 |
| 2022 | $10,105.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16977 Bach Dr in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 107 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 107 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 16977 Bach Dr is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 40% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LATHROP serves 38,596 people · EPA ID CA3910015 |
|---|---|
| Water Source | Purchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT |
| Last State Inspection | Dec 2024 |
| Also Mapped Here | SAN JOAQUIN COUNTY-MOKELUMNE ACRES |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Matrix Broadband Fixed Wireless | 200 / 40 |
| Ayera Technologies Fixed Wireless | 120 / 40 |
| Cal.net Fixed Wireless | 100 / 20 |
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