18295 Big Bear Dr, Lathrop, CA 95330 Property Records

San Joaquin County property record for 18295 Big Bear Dr, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,807 sqft · built 2019
Lot Size	0.146 acres (6,370 sqft)
Owner	Company Name on Record
Last Sale	$725,000 (Jan 2023)
Tax Bill	$13,273 (2025)
Deeds & Mortgages	Apr 2023 Transfer Jan 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`210-240-720-000`

Property Details

APN / Parcel Number

Primary APN	`210-240-720-000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,807 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Architectural Style	Other
Construction Type	Wood
Lot Area	6,370 sqft (0.146 acres)
Garage Type	Mixed
Garage Area	580 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	18295 BIG BEAR DR
City	LATHROP
State	CA
Zip	95330-8287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LOT 29 RIVER ISLANDS PHASE 1B VILLAGE A3
Legal Subdivision	3874 RIVER ISLANDS PH 1B
Legal Lot Number	29
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1107
Census Tract	5214

Owner

Source: San Joaquin County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	1374 PYRENEES ST, TRACY, CA 95304-5870
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Intrafamily Transfer, Transfer
Jan 19, 2023	Grant Deed, Transfer · Conventional Mortgage STAR ONE CU
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Mar 18, 2022	Grant Deed, Transfer · Conventional Mortgage YOSEMITE CAPITAL LLC
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2023 · Amount on Record
Deed Sale	Jan 19, 2023 · Amount on Record
Prior Sale	Jan 19, 2023 · Amount on Record
Deed Document Number	0000004478
Last Transfer Date	Apr 17, 2023
Transfer Doc	0000029360
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 17, 2023
Property Address	18295 BIG BEAR DR, LATHROP, CA 95330-8287
Document Number	0000029360
Map Reference	MB 43 PG 32
Instrument Date	Apr 14, 2023
Instrument	2023-029360
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	1374 PYRENEES ST, TRACY, CA 95304-5870

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 19, 2023
Property Address	18295 BIG BEAR DR, LATHROP, CA 95330-8287
Document Number	0000004478
Map Reference	MB 43 PG 32
Instrument Date	Jan 5, 2023
Instrument	2023-004478
Transaction Type	Transfer
Record Updated	Jan 30, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	1374 PYRENEES ST, TRACY, CA 95304-5870

Mortgage

Document Number	0000004479
Date	Jan 19, 2023
Instrument	2023-004479

Lender

Name	STAR ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year T-Bill
Margin	3
Max Rate	10.5%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18295 BIG BEAR DR, LATHROP, CA 95330-8287
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18295 BIG BEAR DR, LATHROP, CA 95330-8287

Mortgage

Document Number	0000162110
Date	Sep 27, 2021
Instrument	2021-162110

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 18, 2022
Property Address	18295 BIG BEAR DR, LATHROP, CA 95330-8287
Document Number	0000036462
Map Reference	MB 43 PG 32
Instrument Date	Mar 14, 2022
Instrument	2022-036462
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	LENNAR TITLE 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
Address	18295 BIG BEAR DR, LATHROP, CA 95330-8287

Mortgage

Document Number	0000036463
Date	Mar 18, 2022
Instrument	2022-036463

Lender

Name	YOSEMITE CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Apr 1, 2025

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18295 BIG BEAR DR, LATHROP, CA 95330-8287
Document Number	0000035841
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18295 BIG BEAR DR LATHROP CA 953308287, LATHROP, CA 95330-8287

Mortgage

Document Number	0000035841
Date	Mar 20, 2020
Instrument	35841

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$13,273.00 (-11.56%)	$754,290 (-20.48%) Land $156,060 Building $598,230
2023	$15,008.00 (+31.07%)	$948,600 Land $285,600 Building $663,000
2022	$11,450.00

Assessed value is set for property tax purposes and is not a market price estimate.

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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