18344 Spence Ave, Lathrop, CA 95330 Property Records

San Joaquin County property record for 18344 Spence Ave, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,182 sqft · built 2015
Lot Size	0.153 acres (6,692 sqft)
Owner	Individual Name on Record
Last Sale	$765,000 (Jan 2022)
Tax Bill	$11,787 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`213-460-260-000`

Property Details

APN / Parcel Number

Primary APN	`213-460-260-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,182 sqft Living Area

Exterior

Year Built	Built 2015
Architectural Style	Other
Construction Type	Wood
Lot Area	6,692 sqft (0.153 acres)
Garage Type	Mixed
Garage Area	436 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	18344 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	3791 RIVER ISLANDS-VILLAE B2
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1142
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	12750 IONE CT, SARATOGA, CA 95070-3804
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Oct 16, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 21, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Prior Sale	Mar 21, 2019
Deed Document Number	2022-003854
Record Updated	Jun 8, 2026

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 10, 2022
Property Address	18344 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000003854
Map Reference	MB 42 PG 36
Instrument Date	Jan 5, 2022
Instrument	2022-003854
Transaction Type	Transfer
Record Updated	Jan 21, 2022
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
Relationship	Community Property with Right of Survivorship
Address	12750 IONE CT, SARATOGA, CA 95070-3804

Mortgage

Document Number	0000003855
Date	Jan 10, 2022
Instrument	2022-003855

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	18344 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000122272
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18344 SPENCE AVE LATHROP CA 953309805, LATHROP, CA 95330-9805

Mortgage

Document Number	0000122272
Date	Oct 25, 2019
Instrument	122272

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 21, 2019
Property Address	18344 SPENCE AVE, LATHROP, CA 95330-9805
Document Number	0000028071
Map Reference	MB 42 PG 36
Instrument Date	Mar 12, 2019
Instrument	2019-028071
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18344 SPENCE AVE, LATHROP, CA 95330-9805

Mortgage

Document Number	0000028072
Date	Mar 21, 2019
Instrument	2019-028072

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$11,787.00 (+0.83%)	$767,300 (-1.67%) Land $230,000 Building $537,300
2023	$11,690.00 (+37.87%)	$780,300 Land $153,000 Building $627,300
2022	$8,479.00

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	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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