401 O St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 401 O St, Lathrop, CA 95330 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1981
Lot Size	0.143 acres (6,240 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Nov 2022)
Tax Bill	$5,133 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`196-380-200-000`

Property Details

APN / Parcel Number

Primary APN	`196-380-200-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,040 sqft Living Area

Exterior

Year Built	Built 1981
Architectural Style	Other
Construction Type	Wood
Lot Area	6,240 sqft (0.143 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 O ST
City	LATHROP
State	CA
Zip	95330-9592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REDRAWN DEC-31-1992 FROM ORIGINAL APN 195-400-20
Legal Subdivision	LATHROP VILLAGE HOMES UNIT #12
Legal Lot Number	443
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	2
Census Block	2025
Census Tract	5129

Owner

Source: San Joaquin County records · APN 196-380-200-000

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	401 O ST, LATHROP, CA 95330-9592
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 02, 2018	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 06, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 11, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 16, 2022 · Amount on Record
Deed Sale	Nov 16, 2022 · Amount on Record
Prior Sale	Aug 06, 2019
Deed Document Number	2022-129347
Record Updated	Jun 08, 2026

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 16, 2022
Property Address	401 O ST, LATHROP, CA 95330-9592
Document Number	0000129347
Map Reference	VOL 24 PG 67
Instrument Date	Nov 08, 2022
Instrument	2022-129347
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	401 O ST, LATHROP, CA 95330-9592

Mortgage

Document Number	0000129348
Date	Nov 16, 2022
Instrument	2022-129348

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	401 O ST, LATHROP, CA 95330-9592
Transaction Type	Mortgage
Record Updated	Jul 01, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 O ST, LATHROP, CA 95330-9592

Mortgage

Document Number	0000105104
Date	Jun 21, 2021
Instrument	2021-105104

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	401 O ST, LATHROP, CA 95330-9592
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000109447
Date	Oct 02, 2018
Instrument	2018-109447

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 01, 2038

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	401 O ST, LATHROP, CA 95330-9592
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045302
Date	Apr 14, 2020
Instrument	2020-045302

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2035

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 06, 2019
Property Address	401 O ST, LATHROP, CA 95330-9592
Document Number	0000083676
Map Reference	VOL 24 PG 67
Instrument Date	Aug 01, 2019
Instrument	2019-083676
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	401 O ST, LATHROP, CA 95330-9592

Mortgage

Document Number	0000083677
Date	Aug 06, 2019
Instrument	2019-083677

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2039

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 11, 2018
Property Address	401 O ST, LATHROP, CA 95330-9592
Document Number	0000003145
Map Reference	VOL 24 PG 67
Instrument Date	Jan 05, 2018
Instrument	2018-003145
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	401 O ST, LATHROP, CA 95330-9592

Mortgage

Document Number	0000003146
Date	Jan 11, 2018
Instrument	2018-003146

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 01, 2038

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$5,133.00 (+2.82%) Homeowner's exemption	$436,968 (+4.04%) Land $130,050 Building $306,918
2023	$4,992.00 (+145.31%) Homeowner's exemption	$420,000 Land $125,000 Building $295,000
2022	$2,035.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060770051292, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Reduced by levee depends on levee performance
500-Year Floodplain	No
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 551 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Cal.net	Fixed Wireless (licensed-by-rule)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Ayera Technologies, UnWired Broadband Holding, Frontier, Zinnia Networks, Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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