San Joaquin County property record for 431 Telegraph St, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,293 sqft · built 2022 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $727,500 (Oct 2022) |
| Tax Bill | $11,492 (2026) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 192-070-330-000 |
| Primary APN | 192-070-330-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,293 sqft Living Area |
| 1st Floor Area | 2,293 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 8,712 sqft (0.2 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 431 TELEGRAPH ST |
|---|---|
| City | LATHROP |
| State | CA |
| Zip | 95330-8355 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 81 STANFORD CROSSING-PHASE 1B-TRACT 3809 |
| Legal Subdivision | STANFORD CROSSING-PHASE 1B |
| Legal Tract | 3809 |
| Legal Block | 3 |
| Legal Lot Number | 81 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 5119 |
431 Telegraph St is owner-occupied and held in a trust since October 2022.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 431 TELEGRAPH ST, LATHROP, CA 95330-8355 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2022 · Amount on File |
| Deed Sale | Oct 27, 2022 · Amount on File |
| Deed Document Number | 2022123584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 27, 2022 |
| Property Address | 431 TELEGRAPH ST, LATHROP, CA 95330-8355 |
| Document Number | 0000123584 |
| Map Reference | MB 43 PG 116 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 2022-123584 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | Community Property with Right of Survivorship |
| Address | 431 TELEGRAPH ST, LATHROP, CA 95330-8355 |
| Document Number | 0000123585 |
|---|---|
| Date | Oct 27, 2022 |
| Instrument | 2022-123585 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.73% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.73% |
The 2026 property tax bill for 431 Telegraph St was $11,492, down 3.7% 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 | $11,492.00 (-3.7%) | ||
| 2025 | $11,933.00 | $741,271 Land $228,888 Building $512,383 | |
| 2023 | $11,480.00 (+141.84%) Homeowner's exemption | $712,488 Land $220,000 Building $492,488 | $661,950 |
| 2022 | $4,747.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Telegraph 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 risk around 431 Telegraph St is moderate, ranking above 60% 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 60% of the US · lower than 64% 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 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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