San Joaquin County property record for 265 Gail Dr, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,431 sqft · built 1990 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,629 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Nov 2022 Line of Credit |
| Flood Zone | Zone X (reduced by levee) |
| APN | 196-200-520-000 |
| Primary APN | 196-200-520-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,431 sqft Living Area |
| 1st Floor Area | 1,431 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood |
| Lot Area | 6,000 sqft (0.138 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 196-200-52 |
|---|---|
| Street Address | 265 GAIL DR |
| City | LATHROP |
| State | CA |
| Zip | 95330-9459 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 2086 LOT 102 |
| Legal Subdivision | ROSEGATE TERRACE |
| Legal Tract | 2086 |
| Legal Block | 2 |
| Legal Lot Number | 102 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 5129 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 265 GAIL DR, LATHROP, CA 95330-9459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Line of Credit VALLEYSTONE CREDIT UNION |
| Nov 17, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Apr 21, 2026 |
| Property Address | 265 GAIL DR, LATHROP, CA 95330-9459 |
| Document Number | 0000035746 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 202635746 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 265 GAIL DR, LATHROP, CA 95330-9459 |
| Document Number | 0000035746, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 202635746 |
| Name | VALLEYSTONE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 265 GAIL DR, LATHROP, CA 95330-9459 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 265 GAIL DR, LATHROP, CA 95330-9459 |
| Document Number | 0000129761 |
|---|---|
| Date | Nov 17, 2022 |
| Instrument | 2022-129761 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Lathrop City |
| Unified School District | Manteca Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,629.00 (+0.96%) | ||
| 2025 | $2,604.00 (+4.96%) Homeowner's exemption | $206,158 (+4.04%) Land $75,034 Building $131,124 | |
| 2023 | $2,481.00 (+1.51%) Homeowner's exemption | $198,154 Land $72,121 Building $126,033 | $453,420 |
| 2022 | $2,444.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: AT&T, Ayera Technologies, Frontier, Matrix Broadband, unWired Broadband.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures