523 Sunol St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 523 Sunol St, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,207 sqft · built 2022
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Nov 2023)
Tax Bill	$10,751 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`192-060-430-000`

Property Details

APN / Parcel Number

Primary APN	`192-060-430-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,207 sqft Living Area
1st Floor Area	2,207 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	523 SUNOL ST
City	LATHROP
State	CA
Zip	95330-8352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 STANFORD CROSSING-PHASE 1B-TRACT 3809
Legal Subdivision	STANFORD XING-PH 1B
Legal Tract	3809
Legal Block	3
Legal Lot Number	43
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3032
Census Tract	5119

Owner

523 Sunol St is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	523 SUNOL ST, LATHROP, CA 95330-8352
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 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Nov 15, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 3, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 2, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2023 · Amount on File
Deed Sale	Nov 15, 2023 · Amount on File
Prior Sale	May 3, 2022 · Amount on File
Deed Document Number	202393774
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 3, 2026
Property Address	523 SUNOL ST, LATHROP, CA 95330-8352
Document Number	0000080530
Instrument Date	Aug 30, 2026
Instrument	202680530
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	523 SUNOL ST, LATHROP, CA 95330-8352

Mortgage

Document Number	0000080530,
Date	Sep 3, 2026
Instrument	202680530

Lender

Name	CMG MORTGAGE INC

Agreement

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

Interest

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

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 15, 2023
Property Address	523 SUNOL ST, LATHROP, CA 95330-8352
Document Number	0000093774
Map Reference	MB 43 PG 116
Instrument Date	Nov 2, 2023
Instrument	2023-093774
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	523 SUNOL ST, LATHROP, CA 95330-8352

Mortgage

Document Number	0000093775
Date	Nov 15, 2023
Instrument	2023-093775

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 3, 2022
Property Address	523 SUNOL ST, LATHROP, CA 95330-8352
Document Number	0000057555
Map Reference	MB 43 PG 116
Instrument Date	Apr 8, 2022
Instrument	2022-057555
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	FIRST AMERICAN TITLE HSD, FIRST AMERICAN TITLE CO HSD

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	752 CLOVER LN, LATHROP, CA 95330-8990

Mortgage

Document Number	0000057556
Date	May 3, 2022
Instrument	2022-057556

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 2, 2020
Property Address	523 SUNOL ST, LATHROP, CA 95330-8352
Document Number	0000148286
Instrument Date	Nov 2, 2020
Instrument	148286
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$5,392.00
Amount Accuracy	Full Value
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4830 BUSINESS CENTER DR #150 FAIRFIELD CA 945341797, 150, FAIRFIELD, CA 94534-1797

Tax Assessment & Valuation

The 2026 property tax bill for 523 Sunol St was $10,751, up 1.2% 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	$10,751.00 (+1.23%)
2025	$10,620.00	$657,900 Land $122,400 Building $535,500
2023	$10,304.00 (+160.66%)	$642,261 Land $122,400 Building $519,861	$564,660
2022	$3,953.00

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

Flood

FEMA maps place 523 Sunol St in Zone X, where a levee reduces flood risk, though there have been 1 flood claim nearby since 2023.

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 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

Wildfire risk around 523 Sunol St is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · lower than 65% 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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