407 Sunol St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 407 Sunol St, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,910 sqft · built 2020
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jul 2020)
Tax Bill	$9,019 (2026)
Deeds & Mortgages	Jul 2023 Construction Loan Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`192-090-050-000`

Property Details

APN / Parcel Number

Primary APN	`192-090-050-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,910 sqft Living Area
1st Floor Area	1,910 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 SUNOL ST
City	LATHROP
State	CA
Zip	95330-8342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 5 STANFORD CROSSING-PHASE 2B-TRACT 3811
Legal Subdivision	STANFORD CROSSING-PHASE 2B
Legal Tract	3811
Legal Block	3
Legal Lot Number	5
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	407 SUNOL ST, LATHROP, CA 95330-8342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Jun 1, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Deed Document Number	202081105
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	407 SUNOL ST, LATHROP, CA 95330-8342
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SUNOL ST, LATHROP, CA 95330-8342

Mortgage

Document Number	0000056503
Date	Jul 19, 2023
Instrument	2023-056503

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	407 SUNOL ST, LATHROP, CA 95330-8342
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 HIGHLAND CT, SANTA CLARA, CA 95050-5831

Mortgage

Document Number	0000094860
Date	Jun 1, 2021
Instrument	2021-094860

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	407 SUNOL ST, LATHROP, CA 95330-8342
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SUNOL ST, LATHROP, CA 95330-8342

Mortgage

Document Number	0000154055
Date	Sep 14, 2021
Instrument	2021-154055

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$9,019.00 (+1.41%)
2025	$8,894.00 (+8.89%)	$468,873 (+4.04%) Land $129,890 Building $338,983
2023	$8,168.00 (+5.18%)	$450,669 Land $124,848 Building $325,821	$647,370
2022	$7,766.00

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 58% of the US · lower than 65% 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.

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 442 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
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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