San Joaquin County property record for 363 Gardner Pl, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,299 sqft · built 1989 |
| Lot Size | 0.153 acres (6,644 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (Oct 2020) |
| Tax Bill | $5,463 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 196-130-650-000 |
| Primary APN | 196-130-650-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,299 sqft Living Area |
| 1st Floor Area | 1,299 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Construction Type | Wood |
| Lot Area | 6,644 sqft (0.153 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 196-130-65 |
|---|---|
| Street Address | 363 GARDNER PL |
| City | LATHROP |
| State | CA |
| Zip | 95330-9410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REDRAWN DEC-31-1992 FROM ORIGINAL APN 195-430-75 |
| Legal Subdivision | EAGLE PARK 02 |
| Legal Tract | 1679 |
| Legal Block | 2 |
| Legal Lot Number | 135 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 5130 |
363 Gardner Pl is owned and occupied by two individuals who bought it in October 2020.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 363 GARDNER PL, LATHROP, CA 95330-9410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 26, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 20, 2020 | Grant Deed, Transfer · VA Mortgage LOANPAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2020 · Amount on File |
| Deed Sale | Oct 20, 2020 · Amount on File |
| Prior Sale | Jul 25, 2016 · Amount on File |
| Deed Document Number | 2020140410 |
| Prior Transfer Date | Jun 13, 2003 |
| Prior Transfer Doc | 0000132468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 363 GARDNER PL, LATHROP, CA 95330-9410 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE CONNECTION, TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 363 GARDNER PL, LATHROP, CA 95330-9410 |
| Document Number | 0000123923 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 2021-123923 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 20, 2020 |
| Property Address | 363 GARDNER PL, LATHROP, CA 95330-9410 |
| Document Number | 0000140410 |
| Map Reference | MB 25 PG 82 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 2020-140410 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 363 GARDNER PL, LATHROP, CA 95330-9410 |
| Document Number | 0000140411 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 2020-140411 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 363 Gardner Pl was $5,463 with a homeowner's exemption, up 1% 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 | Manteca Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,463.00 (+0.98%) | ||
| 2025 | $5,410.00 Homeowner's exemption | $460,032 Land $97,418 Building $362,614 | |
| 2023 | $5,254.00 (+1.51%) Homeowner's exemption | $442,170 Land $93,636 Building $348,534 | $465,750 |
| 2022 | $5,176.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 363 Gardner Pl in Zone X, where a levee reduces flood risk, though there have been 2 flood claims nearby since 1983.
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 |
| Nearby Flood Claims | 2 (1983) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 1983 · rainfall accumulation |
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 363 Gardner Pl is low, with a 0.01% annual chance of wildfire.
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 549 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, Verizon.
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