San Joaquin County property record for 489 Derbychase Ln, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,454 sqft · built 2006 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Jun 2008) |
| Tax Bill | $6,724 (2026) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Jul 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 191-580-130-000 |
| Primary APN | 191-580-130-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,454 sqft Living Area |
| 1st Floor Area | 2,454 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 7,200 sqft (0.165 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 191-580-13 |
|---|---|
| Street Address | 489 DERBYCHASE LN |
| City | LATHROP |
| State | CA |
| Zip | 95330-8637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 05-PT OF 191-190-50/MOSSDALE LANDING EAST |
| Legal Subdivision | MOSSDALE LANDING EAST |
| Legal Block | 1 |
| Legal Lot Number | 36 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 5119 |
489 Derbychase Ln is owned and occupied by two individuals who bought it in June 2008.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 489 DERBYCHASE LN, LATHROP, CA 95330-8637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PHH MORTGAGE SERVICES CORP |
| Jul 7, 2017 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2008 · Amount on File |
| Deed Sale | Jun 17, 2008 · Amount on File |
| Prior Sale | May 15, 2008 · Amount on File |
| Deed Document Number | 200899313 |
| Prior Transfer Date | Mar 18, 2008 |
| Prior Transfer Doc | 0000080974 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 489 DERBYCHASE LN, LATHROP, CA 95330-8637 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 489 DERBYCHASE LN, LATHROP, CA 95330-8637 |
| Document Number | 0000014727 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | 2026-014727 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 489 DERBYCHASE LN, LATHROP, CA 95330-8637 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000077184 |
|---|---|
| Date | Jul 7, 2017 |
| Instrument | 2017-077184 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 489 DERBYCHASE LN, LATHROP, CA 95330-8637 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 489 DERBYCHASE LN, LATHROP, CA 95330-8637 |
| Document Number | 0000167569 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 2020-167569 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
The 2026 property tax bill for 489 Derbychase Ln was $6,724, up 1.2% 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 | $6,724.00 (+1.25%) | ||
| 2025 | $6,641.00 | $341,495 Land $102,446 Building $239,049 | |
| 2023 | $6,293.00 (+0.45%) | $328,236 Land $98,469 Building $229,767 | $556,920 |
| 2022 | $6,265.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 489 Derbychase Ln in Zone X, where a levee reduces flood risk, though there have been 22 flood claims nearby since 1983.
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 12 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 22 (1983–2017) |
| Claims Outside the SFHA | 13 of 22 |
| Most Recent Claim | Feb 2017 · Severe Winter Storms, Flooding, And Mudslides |
| Claims by Event |
|
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.
The area around 489 Derbychase Ln has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 734 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Ayera Technologies, Matrix Broadband, Verizon.
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