490 Telegraph St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 490 Telegraph St, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,847 sqft · built 2022
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on Record
Last Sale	$892,000 (Sep 2022)
Tax Bill	$9,795 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`192-070-220-000`

Property Details

APN / Parcel Number

Primary APN	`192-070-220-000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,847 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Wood
Lot Area	10,454 sqft (0.24 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	490 TELEGRAPH ST
City	LATHROP
State	CA
Zip	95330-8355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 70 STANFORD CROSSING-PHASE 1B-TRACT 3809
Legal Subdivision	STANFORD CROSSING-PHASE 1B
Legal Tract	3809
Legal Block	3
Legal Lot Number	70
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3032
Census Tract	5119

Owner

Source: San Joaquin County records, as of October 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	490 TELEGRAPH ST, LATHROP, CA 95330-8355
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on Record
Deed Sale	Sep 22, 2022 · Amount on Record
Deed Document Number	2022111145
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 22, 2022
Property Address	490 TELEGRAPH ST, LATHROP, CA 95330-8355
Document Number	0000111145
Map Reference	MB 43 PG 116
Instrument Date	Jul 11, 2022
Instrument	2022-111145
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 TELEGRAPH ST, LATHROP, CA 95330-8355

Mortgage

Document Number	0000111146
Date	Sep 22, 2022
Instrument	2022-111146

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	Other
Max Rate	9.25%

Tax Assessment & Valuation

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	$9,795.00 (+1.31%)
2025	$9,668.00 (+9.05%) Homeowner's exemption	$533,965 (+12.83%) Land $188,468 Building $345,497
2023	$8,866.00 (+82.39%) Homeowner's exemption	$473,232 Land $181,150 Building $292,082	$839,610
2022	$4,861.00

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

Flood

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 Record 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

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.

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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