295 Mercantile St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 295 Mercantile St, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$602,000 (Nov 2021)
Tax Bill	$9,601 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`192-100-230-000`

Property Details

APN / Parcel Number

Primary APN	`192-100-230-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,356 sqft (0.1 acres)
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	295 MERCANTILE ST
City	LATHROP
State	CA
Zip	95330-8006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 STANFORD CROSSING-PHASE 3-TRACT 3812
Legal Subdivision	STANFORD CROSSING-PHASE 3
Legal Tract	3812
Legal Block	3
Legal Lot Number	23
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3032
Census Tract	5119

Owner

Source: San Joaquin County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	295 MERCANTILE ST, LATHROP, CA 95330-8006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 18, 2021	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2021 · Amount on Record
Deed Sale	Nov 23, 2021 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	2021195156
Record Updated	Oct 29, 2026

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 23, 2021
Property Address	295 MERCANTILE ST, LATHROP, CA 95330-8006
Document Number	0000195156
Map Reference	MB 43 PG 119
Instrument Date	Nov 19, 2021
Instrument	2021-195156
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Joint Tenants
Address	295 MERCANTILE ST, LATHROP, CA 95330-8006

Mortgage

Document Number	0000195157
Date	Nov 23, 2021
Instrument	2021-195157

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

October 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 18, 2021
Property Address	295 MERCANTILE ST, LATHROP, CA 95330-8006
Document Number	0000174435
Map Reference	MB 43 PG 119
Instrument Date	Sep 27, 2021
Instrument	2021-174435
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	27917 CAPETOWN AVE, HAYWARD, CA 94545-4539

Mortgage

Document Number	0000174436
Date	Oct 18, 2021
Instrument	2021-174436

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	Manteca Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,601.00 (-4.34%)
2025	$10,037.00 (+3.21%) Homeowner's exemption	$638,845 (+4.04%) Land $191,017 Building $447,828
2023	$9,725.00 (+4.64%)	$614,040 Land $183,600 Building $430,440	$591,930
2022	$9,294.00

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 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 37 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Apr 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
unWired Broadband Fixed Wireless	400 / 50
Matrix Broadband Fixed Wireless	200 / 40
Ayera Technologies Fixed Wireless	120 / 40
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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