3473 Emelia Ct, Lathrop, CA 95330 Property Records

San Joaquin County property record for 3473 Emelia Ct, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,101 sqft · built 2023
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$947,500 (Sep 2023)
Tax Bill	$18,743 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`210-720-110-000`

Property Details

APN / Parcel Number

Primary APN	`210-720-110-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,101 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3473 EMELIA CT
City	LATHROP
State	CA
Zip	95330-7916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 RIVER ISLANDS STG 2B VILLAGE FF 4067
Legal Subdivision	RIVER ISLANDS STAGE 2B VL
Legal Block	1
Legal Lot Number	11
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1001
Census Tract	5214

Owner

3473 Emelia Ct is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3473 EMELIA CT, LATHROP, CA 95330-7916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2023 · Amount on File
Deed Sale	Sep 26, 2023 · Amount on File
Deed Document Number	202376097
Record Updated	Oct 29, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 26, 2023
Property Address	3473 EMELIA CT, LATHROP, CA 95330
Document Number	0000076097
Map Reference	MB 43 PG 163
Instrument Date	Sep 14, 2023
Instrument	2023-076097
Transaction Type	Transfer
Record Updated	Oct 9, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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
Relationship	Community Property with Right of Survivorship
Address	3473 EMELIA CT, LATHROP, CA 95330

Mortgage

Document Number	0000076098
Date	Sep 26, 2023
Instrument	2023-076098

Lender

Name	SAFE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Max Rate	11.6%

Tax Assessment & Valuation

The 2026 property tax bill for 3473 Emelia Ct was $18,743, down 3.8% 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
2026	$18,743.00 (-3.8%)
2025	$19,484.00	$966,450 Land $229,500 Building $736,950
2023	$9,333.00 (+233.32%)	$132,600 Land $132,600
2022	$2,800.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3473 Emelia Ct 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

Wildfire risk around 3473 Emelia Ct is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Matrix Broadband Fixed Wireless	200 / 40
Ayera Technologies Fixed Wireless	120 / 40
Cal.net Fixed Wireless	100 / 20