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18328 Spence Ave, Lathrop, CA 95330 Property Records

San Joaquin County property record for 18328 Spence Ave, Lathrop, CA 95330

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,450 sqft · built 2015
Lot Size0.123 acres (5,344 sqft)
OwnerIndividual Name on Record
Last Sale$420,000 (Dec 2015)
Tax Bill$9,133 (2026)
Deeds & MortgagesFeb 2020 Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (reduced by levee)
APN213-460-250-000

Property Details

APN / Parcel Number

Primary APN213-460-250-000
Alternative APN
  • 213-460-25

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,450 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Architectural StyleL-Shape
Construction TypeWood
Lot Area5,344 sqft (0.123 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Old Parcel Number213-460-25
Street Address18328 SPENCE AVE
CityLATHROP
StateCA
Zip95330-9805
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description16-FM POR OF 213-310-23 PER RIVER ISLANDS VILLAGE
Legal SubdivisionRIVER ISLANDS-VLG B2
Legal Block1
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionTRACY
Census Block Group1
Census Block1142
Census Tract5214

Owner

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 RecordIndividual Name on Record
Mailing Address18328 SPENCE AVE, LATHROP, CA 95330-9805
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

Deeds, Mortgages & Sale History

DateDocument
Feb 12, 2020Deed of Trust, Mortgage · Conventional Mortgage
NEWREZ LLC
Jan 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
NEWREZ LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 29, 2015 · Amount on Record
Deed SaleDec 29, 2015 · Amount on Record
Deed Document Number2015155634
Prior Transfer DateDec 14, 2015
Prior Transfer Doc0000155632
Record UpdatedOct 29, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address18328 SPENCE AVE, LATHROP, CA 95330-9805
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000018689
DateFeb 12, 2020
Instrument2020-018689
Lender
NameNEWREZ LLC
TypeNon-Lending Institution
AddressFORT WASHINGTON, PA 19034
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2050

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address18328 SPENCE AVE, LATHROP, CA 95330-9805
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address18328 SPENCE AVE, LATHROP, CA 95330-9805

Mortgage

Document Number0000014620
DateJan 26, 2021
Instrument2021-014620
Lender
NameNEWREZ LLC
TypeNon-Lending Institution
AddressFORT WASHINGTON, PA 19034
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term349 Months
DueFeb 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Joaquin County
MunicipalityLathrop City
Unified School DistrictBanta Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$9,133.00 (+1.75%)
2025$8,976.00 (+4.66%) Homeowner's exemption$497,070 (+4.04%) Land $174,014 Building $323,056
2023$8,576.00 (+2.05%) Homeowner's exemption$477,769 Land $167,257 Building $310,512$724,590
2022$8,404.00

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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 107 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies107 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 RiskNot 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 SystemCITY OF LATHROP
serves 38,596 people · EPA ID CA3910015
Water SourcePurchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Last State InspectionDec 2024
Also Mapped HereSAN JOAQUIN COUNTY-MOKELUMNE ACRES
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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