San Joaquin County property record for 486 O St, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,326 sqft · built 1973 |
| Lot Size | 0.136 acres (5,940 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $475,000 (Mar 2023) |
| Tax Bill | $5,785 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 196-300-460-000 |
| Primary APN | 196-300-460-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| Year Built | Built 1973 |
|---|---|
| Architectural Style | Other |
| Construction Type | Wood |
| Lot Area | 5,940 sqft (0.136 acres) |
| Garage Type | Mixed |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|
| Street Address | 486 O ST |
|---|---|
| City | LATHROP |
| State | CA |
| Zip | 95330-9524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 08 |
| Legal Description | REDRAWN DEC-30-1992 FROM ORIGINAL APN 195-320-19 |
| Legal Subdivision | LATHROP VILLAGE HOMES UNIT #4 |
| Legal Lot Number | 166 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 5129 |
Source: San Joaquin County records, as of September 29, 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 Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 486 O ST, LATHROP, CA 95330-9524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2023 | Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage TOWNE MORTGAGE CO |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2023 · Amount on Record |
| Deed Sale | Mar 13, 2023 · Amount on Record |
| Prior Sale | Sep 3, 2013 · Amount on Record |
| Deed Document Number | 2023-019435 |
| Record Updated | Jun 7, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 13, 2023 |
| Property Address | 486 O ST, LATHROP, CA 95330-9524 |
| Document Number | 0000019435 |
| Map Reference | MB 20 PG 17 |
| Instrument Date | Mar 9, 2023 |
| Instrument | 2023-019435 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| 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 | Joint Tenants |
| Address | 486 O ST, LATHROP, CA 95330-9524 |
| Document Number | 0000019436 |
|---|---|
| Date | Mar 13, 2023 |
| Instrument | 2023-019436 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 486 O ST, LATHROP, CA 95330-9524 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | N TITLE COMPANY, BNT TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 486 O ST, LATHROP, CA 95330-9524 |
| Document Number | 0000193193 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021-193193 |
| Name | TOWNE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: San Joaquin County assessment roll, as of July 1, 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 |
|---|---|---|
| 2025 | $5,785.00 (+119.29%) Homeowner's exemption | $494,190 (+146.73%) Land $130,050 Building $364,140 |
| 2023 | $2,638.00 (+1.46%) | $200,299 Land $49,484 Building $150,815 |
| 2022 | $2,600.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 546 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Ayera Technologies, Frontier, Matrix Broadband, unWired Broadband, Verizon.
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