18321 Spence Ave, Lathrop, CA 95330 Property Records

San Joaquin County property record for 18321 Spence Ave, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,886 sqft · built 2015
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Jun 2018)
Tax Bill	$8,931 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2018 Transfer + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`213-460-510-000`

Property Details

APN / Parcel Number

Primary APN	`213-460-510-000`
Alternative APN	`213-460-51`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,886 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	213-460-51
Street Address	18321 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

18321 Spence Ave is owned and occupied by an individual who bought it in June 2018.

Source: San Joaquin County records, as of October 13, 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	Individual Name on File
Mailing Address	18321 SPENCE AVE, LATHROP, CA 95330-9805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 28, 2018	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Jun 28, 2018	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Jun 28, 2018	Grant Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2018 · Amount on File
Deed Sale	Jun 28, 2018 · Amount on File
Prior Sale	Dec 28, 2015 · Amount on File
Deed Document Number	201872018
Prior Transfer Date	Dec 2, 2015
Prior Transfer Doc	0000155413
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18321 SPENCE AVE, LATHROP, CA 95330-9805
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18321 SPENCE AVE, LATHROP, CA 95330-9805

Mortgage

Document Number	0000031775
Date	Mar 10, 2022
Instrument	2022-031775

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 28, 2018
Property Address	18321 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000072019
Instrument Date	Jun 27, 2018
Instrument	72019
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18321 SPENCE AVE LATHROP CA 953309805, LATHROP, CA 95330-9805

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 28, 2018
Property Address	18321 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000072020
Instrument Date	Jun 27, 2018
Instrument	72020
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	18321 SPENCE AVE LATHROP CA 953309805, LATHROP, CA 95330-9805

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 28, 2018
Property Address	18321 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000072018
Map Reference	MB 42 PG 36
Instrument Date	Jun 26, 2018
Instrument	2018-072018
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transaction

Amount	Amount on Record
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	18321 SPENCE AVE, LATHROP, CA 95330-9805

Mortgage

Document Number	0000072021
Date	Jun 28, 2018
Instrument	2018-072021

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 18321 Spence Ave was $8,931 with a homeowner's exemption, up 1.8% from the year before.

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	$8,931.00 (+1.84%)
2025	$8,770.00 Homeowner's exemption	$523,396 Land $136,537 Building $386,859
2023	$8,374.00 (+2.05%) Homeowner's exemption	$503,074 Land $131,236 Building $371,838	$636,660
2022	$8,206.00

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

Flood

FEMA maps place 18321 Spence Ave in Zone X, where a levee reduces flood risk.

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 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

The area around 18321 Spence Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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