540 Carnaby Rd, Lathrop, CA 95330 Property Records

San Joaquin County property record for 540 Carnaby Rd, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,454 sqft · built 2006
Lot Size	0.306 acres (13,331 sqft)
Owner	2 Owner Names on File
Last Sale	$566,500 (May 2006)
Tax Bill	$11,483 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`191-580-370-000`

Property Details

APN / Parcel Number

Primary APN	`191-580-370-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,454 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	13,331 sqft (0.306 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	540 CARNABY RD
City	LATHROP
State	CA
Zip	95330-8876
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	05-PT OF 191-190-50/MOSSDALE LANDING EAST
Legal Subdivision	TRACT #3445 MOSSDALE LANDING EAST
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1016
Census Tract	5119

Owner

Source: San Joaquin County assessment roll, as of July 1, 2025

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

Owner of Record	2 Owner Names on File
Mailing Address	540 CARNABY RD, LATHROP, CA 95330-8876
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LENDING INC
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 2006 · Amount on Record
Deed Sale	May 11, 2006 · Amount on Record
Deed Document Number	2006-102474
Record Updated	Jun 7, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	540 CARNABY RD, LATHROP, CA 95330-8876
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CARNABY RD, LATHROP, CA 95330-8876

Mortgage

Document Number	0000057236
Date	Jul 21, 2023
Instrument	2023-057236

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	RANCHO SANTA MARGARITA, CA 92688

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	540 CARNABY RD, LATHROP, CA 95330-8876
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CARNABY RD, LATHROP, CA 95330-8876

Mortgage

Document Number	0000058999
Date	Apr 2, 2021
Instrument	2021-058999

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$11,483.00 (+20.56%)	$772,200 (+25.56%) Land $230,000 Building $542,200
2023	$9,525.00 (-0.62%)	$615,000 Land $120,000 Building $495,000
2022	$9,584.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 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

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

Wildfire Risk	Not rated no burnable land within ember reach

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 Holding 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, Verizon, Zinnia Networks.

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