San Joaquin County property record for 16984 Bernstein Ave, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,444 sqft · built 2022 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $697,500 (Apr 2022) |
| Tax Bill | $14,630 (2026) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 210-450-760-000 |
| Primary APN | 210-450-760-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,444 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 6,098 sqft (0.14 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 16984 BERNSTEIN AVE |
|---|---|
| City | LATHROP |
| State | CA |
| Zip | 95330-7116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 22 RIVER ISLANDS STG 2A VILLAGE AA2 4002 |
| Legal Subdivision | RIVER ISLANDS STAGE 2A VL |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 5214 |
Source: San Joaquin County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16984 BERNSTEIN AVE, LATHROP, CA 95330-7116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Apr 21, 2022 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2022 · Amount on Record |
| Deed Sale | Apr 21, 2022 · Amount on Record |
| Deed Document Number | 202251384 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 16984 BERNSTEIN AVE, LATHROP, CA 95330-7116 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | ACCURATE GROUP |
| Name | Verified Name |
|---|---|
| Address | 16984 BERNSTEIN AVE, LATHROP, CA 95330-7116 |
| Investor | Possibly a Property Investor |
| Document Number | 0000085200 |
|---|---|
| Date | Oct 20, 2023 |
| Instrument | 2023-085200 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 17, 2043 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Apr 21, 2022 |
| Property Address | 16984 BERNSTEIN AVE, LATHROP, CA 95330-7116 |
| Document Number | 0000051384 |
| Map Reference | MB 43 PG 152 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 2022-051384 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 3, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 16984 BERNSTEIN AVE, LATHROP, CA 95330-7116 |
| Document Number | 0000051385 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 2022-051385 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $14,630.00 (-1.44%) | ||
| 2025 | $14,844.00 (+4.62%) Homeowner's exemption | $739,957 (+4.04%) Land $159,181 Building $580,776 | |
| 2023 | $14,189.00 (+77.85%) Homeowner's exemption | $711,225 Land $153,000 Building $558,225 | $674,640 |
| 2022 | $7,978.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · lower than 68% of California |
|---|---|
| Wildfire Likelihood | 0.1% 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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