San Joaquin County property record for 3531 Posey St, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,111 sqft · built 2024 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $900,500 (Aug 2024) |
| Tax Bill | $18,198 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 213-540-430-000 |
| Primary APN | 213-540-430-000 |
|---|
| Year Built | Built 2024 |
|---|---|
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3531 POSEY ST |
|---|---|
| City | LATHROP |
| State | CA |
| Zip | 95330-7404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 39 RIVER ISLANDS STAGE 2B VILLAGE GG2 TRACT |
| Legal Subdivision | RIVER ISLANDS-STAGE2B VLG |
| Legal Lot Number | 39 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 5214 |
3531 Posey St is owned and occupied by two individuals who bought it in August 2024.
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 | 3531 POSEY ST, LATHROP, CA 95330-7404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2024 · Amount on File |
| Deed Sale | Aug 20, 2024 · Amount on File |
| Deed Document Number | 202469527 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 3531 POSEY ST, LATHROP, CA 95330-7404 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3531 POSEY ST, LATHROP, CA 95330-7404 |
| Document Number | 0000120095 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 2025-120095 |
| Name | LOAN FACTORY INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN JOSE, CA 95122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.7% |
The 2026 property tax bill for 3531 Posey St was $18,198, up 0.3% from the year before.
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 | Banta Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $18,198.00 (+0.26%) | |
| 2025 | $18,151.00 | $900,454 Land $200,000 Building $700,454 |
| 2023 | $3,902.00 | $14,646 Land $14,646 |
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.
FEMA maps place 3531 Posey St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 3531 Posey St is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 41% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 198 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 / 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 |
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