491 Millpond Ave, Lathrop, CA 95330 Property Records

San Joaquin County property record for 491 Millpond Ave, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,798 sqft · built 2006
Lot Size	0.147 acres (6,418 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Sep 2026)
Tax Bill	$10,586 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2021 Second Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`191-580-290-000`

Property Details

APN / Parcel Number

Primary APN	`191-580-290-000`
Alternative APN	`191-580-29`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,798 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,418 sqft (0.147 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	191-580-29
Street Address	491 MILLPOND AVE
City	LATHROP
State	CA
Zip	95330-8880
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	75
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1016
Census Tract	5119

Owner

491 Millpond Ave is owned and occupied by two individuals who bought it in September 2026.

Source: San Joaquin County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	491 MILLPOND AVE, LATHROP, CA 95330-8880
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Grant Deed, Transfer · Conventional Mortgage KIND LENDING LLC
May 11, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEWREZ LLC
Apr 30, 2021	Grant Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on File
Deed Sale	Sep 14, 2026 · Amount on File
Prior Sale	Apr 30, 2021 · Amount on File
Deed Document Number	202683836
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 14, 2026
Property Address	491 MILLPOND AVE, LATHROP, CA 95330-8880
Document Number	0000083836
Instrument Date	Sep 9, 2026
Instrument	202683836
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,548.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	491 MILLPOND AVE, LATHROP, CA 95330-8880

Mortgage

Document Number	0000083837,
Date	Sep 14, 2026
Instrument	202683837

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	491 MILLPOND AVE, LATHROP, CA 95330-8880
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2335 MONROE ST 1, 1, SANTA CLARA, CA 95050-3341

Mortgage

Document Number	0000082954
Date	May 11, 2021
Instrument	2021-082954

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 30, 2021
Property Address	491 MILLPOND AVE, LATHROP, CA 95330-8880
Document Number	0000076389
Map Reference	MB 40 PG 2
Instrument Date	Apr 26, 2021
Instrument	2021-076389
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	491 MILLPOND AVE, LATHROP, CA 95330-8880

Mortgage

Document Number	0000076390
Date	Apr 30, 2021
Instrument	2021-076390

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 491 Millpond Ave was $10,586, up 1.1% from the year before.

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	$10,586.00 (+1.15%)	$706,608 (+2%) Land $176,651 Building $529,957
2025	$10,466.00	$692,754 Land $173,188 Building $519,566
2023	$9,967.00 (+0.85%) Homeowner's exemption	$665,856 Land $166,464 Building $499,392	$671,490
2022	$9,883.00

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

Flood

FEMA maps place 491 Millpond Ave 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	Severe Storms, Flooding, Landslides, And Mudslides, Apr 2006 · 5 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 8 claims

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

The area around 491 Millpond Ave 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.

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 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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