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522 O St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 522 O St, Lathrop, CA 95330

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,144 sqft · built 1974
Lot Size0.136 acres (5,940 sqft)
Owner2 Individual Names on File
Last Sale$188,000 (May 2002)
Tax Bill$3,404 (2026)
Deeds & MortgagesJun 2017 Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (reduced by levee)
APN196-300-440-000

Property Details

APN / Parcel Number

Primary APN196-300-440-000
Alternative APN
  • 196-300-44

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,144 sqft Living Area
1st Floor Area1,144 sqft

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Architectural StyleCustom Design
Construction TypeWood
Lot Area5,940 sqft (0.136 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Old Parcel Number196-300-44
Street Address522 O ST
CityLATHROP
StateCA
Zip95330-9524
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTRACT 998 LOT 168
Legal SubdivisionLATHROP VILLAGE HOMES 04
Legal Tract998
Legal Block1
Legal Lot Number168
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionMANTECA
Census Block Group1
Census Block1001
Census Tract5129

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address522 O ST, LATHROP, CA 95330-9524
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 20, 2017Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN PACIFIC MORTGAGE
Jan 6, 2021Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 21, 2002 · Amount on File
Deed SaleMay 21, 2002 · Amount on File
Deed Document Number200287228
Last Transfer DateOct 17, 2003
Transfer Doc0000256042
Record UpdatedOct 29, 2026

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address522 O ST, LATHROP, CA 95330-9524
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyNORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000070052
DateJun 20, 2017
Instrument2017-070052
Lender
NameAMERICAN PACIFIC MORTGAGE
TypeMortgage Company
AddressROSEVILLE, CA 95661
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2047

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address522 O ST, LATHROP, CA 95330-9524
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyPACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address522 O ST, LATHROP, CA 95330-9524

Mortgage

Document Number0000001779
DateJan 6, 2021
Instrument2021-001779
Lender
NameUNITED WHOLESALE MORTGAGE LLC
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,404.00 (+0.98%)
2025$3,371.00 (+2.34%) Homeowner's exemption$277,715 (+4.04%) Land $82,723 Building $194,992
2023$3,294.00 (+1.51%) Homeowner's exemption$266,932 Land $79,511 Building $187,421$405,180
2022$3,245.00

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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies7 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCITY OF LATHROP
serves 38,596 people · EPA ID CA3910015
Water SourcePurchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Last State InspectionDec 2024
Also Mapped HereSAN JOAQUIN COUNTY-MOKELUMNE ACRES
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 546 locations within half a mile, as of December 31, 2025

ProviderMax 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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