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437 O St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 437 O St, Lathrop, CA 95330 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,130 sqft · built 1981
Lot Size0.162 acres (7,048 sqft)
Owner2 Individual Names on File
Last Sale$591,000 (Mar 2022)
Tax Bill$6,734 (2025)
Deeds & MortgagesMar 2022 Sale & Mortgage
Mar 2021 Sale & Mortgage
Flood ZoneZone X (reduced by levee)
APN196-380-190-000

Property Details

APN / Parcel Number

Primary APN196-380-190-000
Alternative APN
  • 196-380-19

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,130 sqft Living Area
1st Floor Area1,130 sqft

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleCustom Design
Construction TypeWood
Lot Area7,048 sqft (0.162 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Old Parcel Number196-380-19
Street Address437 O ST
CityLATHROP
StateCA
Zip95330-9592
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionREDRAWN DEC-31-1992 FROM ORIGINAL APN 195-400-19
Legal SubdivisionLATHROP VILLAGE HOMES 12
Legal Block2
Legal Lot Number442
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionMANTECA
Census Block Group2
Census Block2025
Census Tract5129

Owner

Source: San Joaquin County records · APN 196-380-190-000

Assessment roll updated September 24, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address437 O ST, LATHROP, CA 95330-9592
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Mar 28, 2022Grant Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC
Mar 26, 2021Grant Deed, Transfer · Commercial Mortgage
MERCHANTS FUNDING AZ LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 28, 2022 · Amount on Record
Deed SaleMar 28, 2022 · Amount on Record
Prior SaleMar 26, 2021 · Amount on Record
Deed Document Number202240524
Prior Transfer DateFeb 25, 2003
Prior Transfer Doc0000060516
Record UpdatedSep 20, 2026

March 2022: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateMar 28, 2022
Property Address437 O ST, LATHROP, CA 95330-9592
Document Number0000040524
Map ReferenceVOL 24 PG 67
Instrument DateMar 23, 2022
Instrument2022-040524
Transaction TypeTransfer
Record UpdatedApr 06, 2022
Title CompanyCONSUMERS TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address437 O ST, LATHROP, CA 95330-9592

Mortgage

Document Number0000040525
DateMar 28, 2022
Instrument2022-040525
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

March 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateMar 26, 2021
Property Address437 O ST, LATHROP, CA 95330-9592
Document Number0000054423
Map ReferenceVOL 24 PG 67
Instrument DateMar 23, 2021
Instrument2021-054423
Transaction TypeTransfer
Record UpdatedAug 03, 2021
Title CompanyCONSUMERS TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4921 CLAREMONT CT, FAIRFIELD, CA 94534-7426
Mail Care OfJORGE SOTO
InvestorPossibly a Property Investor

Mortgage

Document Number0000054424
DateMar 26, 2021
Instrument2021-054424
Lender
NameMERCHANTS FUNDING AZ LLC
TypeLending Institution
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated September 24, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Joaquin County
MunicipalityLathrop City
Unified School DistrictManteca Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,734.00 (+6.91%)$573,900 (+8.34%) Land $170,000 Building $403,900
2023$6,299.00 (+49.8%)$529,700 Land $155,000 Building $374,700$596,970
2022$4,205.00

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardReduced by levee
depends on levee performance
500-Year FloodplainNo
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 546 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Cal.netFixed Wireless (licensed-by-rule)100 / 20
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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