18289 Spence Ave, Lathrop, CA 95330 Property Records

San Joaquin County property record for 18289 Spence Ave, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,182 sqft · built 2015
Lot Size	0.102 acres (4,420 sqft)
Owner	Individual Name on Record
Last Sale	$765,000 (Jun 2022)
Tax Bill	$10,931 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jul 2021 Transfer + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`213-460-530-000`

Property Details

APN / Parcel Number

Primary APN	`213-460-530-000`
Alternative APN	`213-460-53`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,182 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,420 sqft (0.102 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	213-460-53
Street Address	18289 SPENCE AVE
City	LATHROP
State	CA
Zip	95330-9805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16-FM POR OF 213-310-23 PER RIVER ISLANDS VILLAGE
Legal Subdivision	RIVER ISLANDS-VLG B2
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1143
Census Tract	5214

Owner

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	Individual Name on Record
Mailing Address	18289 SPENCE AVE, LATHROP, CA 95330-9805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Grant Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC
Jul 8, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Oct 26, 2017	Deed of Trust, Mortgage · Conventional with PMI OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	Dec 18, 2015 · Amount on Record
Deed Document Number	202276003
Prior Transfer Date	Jun 23, 2021
Prior Transfer Doc	0000115055
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 17, 2022
Property Address	18289 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000076003
Map Reference	MB 42 PG 36
Instrument Date	Jun 14, 2022
Instrument	2022-076003
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18289 SPENCE AVE, LATHROP, CA 95330-9805

Mortgage

Document Number	0000076004
Date	Jun 17, 2022
Instrument	2022-076004

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 8, 2021
Property Address	18289 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000115057
Map Reference	MB 42 PG 36
Instrument Date	Jun 23, 2021
Instrument	2021-115057
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18289 SPENCE AVE, LATHROP, CA 95330-9805

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 8, 2021
Property Address	18289 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000115055
Map Reference	MB 42 PG 36
Instrument Date	Jun 23, 2021
Instrument	2021-115055
Transaction Type	Transfer
Record Updated	Jul 21, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18289 SPENCE AVE, LATHROP, CA 95330-9805

Mortgage

Document Number	0000115056
Date	Jul 8, 2021
Instrument	2021-115056

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18289 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000106438
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18289 SPENCE AVE LATHROP CA 953309805, LATHROP, CA 95330-9805

Mortgage

Document Number	0000106438
Date	Sep 23, 2019
Instrument	106438

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 22, 2039

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18289 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000127246
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 22, 2017
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18289 SPENCE AVE LATHROP CA 953309805, LATHROP, CA 95330-9805

Mortgage

Document Number	0000127246
Date	Oct 31, 2017
Instrument	127246

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Oct 30, 2037

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Lathrop City
Unified School District	Banta Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,931.00 (-0.71%)
2025	$11,009.00 (-4.18%)	$713,700 (-8.54%) Land $210,000 Building $503,700
2023	$11,489.00 (+44.73%)	$780,300 Land $153,000 Building $627,300	$722,970
2022	$7,938.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 577 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Matrix Broadband Fixed Wireless	200 / 40
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies, unWired Broadband, Verizon.

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