428 Central Pacific St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 428 Central Pacific St, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,181 sqft · built 2020
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$464,500 (Oct 2020)
Tax Bill	$8,984 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2023 Mortgage + 4 more
Flood Zone	Zone X (reduced by levee)
APN	`192-080-020-000`

Property Details

APN / Parcel Number

Primary APN	`192-080-020-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,181 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	428 CENTRAL PACIFIC ST
City	LATHROP
State	CA
Zip	95330-8350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 2 STANFORD CROSSING-PHASE 2A-TRACT 3810
Legal Subdivision	STANFORD CROSSING-PHASE 2A
Legal Tract	3810
Legal Block	3
Legal Lot Number	2
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3032
Census Tract	5119

Owner

428 Central Pacific St is owned 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	1367 102ND AVE, OAKLAND, CA 94603-3106
Owner Type	Individual

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

Date	Document
Jan 12, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 7, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 13, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 27, 2020	Grant Deed, Subdivision Related Transfer HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2020 · Amount on File
Deed Sale	Oct 27, 2020 · Amount on File
Prior Sale	Apr 15, 2020 · Amount on File
Deed Document Number	2020144960
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Transaction Type	Mortgage
Record Updated	Jan 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003518
Date	Jan 12, 2024
Instrument	2024-003518

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 1, 2052

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Transaction Type	Mortgage
Record Updated	Jun 19, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044673
Date	Jun 7, 2023
Instrument	2023-044673

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CORAOPOLIS, PA 15108

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Jan 1, 2052

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350

Mortgage

Document Number	0000140675
Date	Dec 13, 2022
Instrument	2022-140675

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2052

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Transaction Type	Mortgage
Record Updated	Dec 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350

Mortgage

Document Number	0000135174
Date	Dec 6, 2022
Instrument	2022-135174

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350

Mortgage

Document Number	0000214373
Date	Dec 27, 2021
Instrument	2021-214373

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 27, 2020
Property Address	428 CENTRAL PACIFIC ST, LATHROP, CA 95330-8350
Document Number	0000144960
Instrument Date	Sep 16, 2020
Instrument	144960
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 11, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1367 102ND AVE OAKLAND CA 946033106, OAKLAND, CA 94603-3106

Mortgage

Document Number	144961
Date	Oct 27, 2020
Instrument	144961

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 428 Central Pacific St was $8,984, up 1.3% 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	Manteca Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,984.00 (+1.29%)
2025	$8,870.00	$502,401 Land $129,890 Building $372,511
2023	$8,535.00 (+5.02%)	$482,895 Land $124,848 Building $358,047	$602,820
2022	$8,127.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 428 Central Pacific St in Zone X, where a levee reduces flood risk, though there have been 1 flood claim nearby since 2023.

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 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

Wildfire risk around 428 Central Pacific St is moderate, ranking above 58% 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 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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