627 Channel Dr, Lathrop, CA 95330 Property Records

San Joaquin County property record for 627 Channel Dr, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,046 sqft · built 2014
Lot Size	0.266 acres (11,606 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Apr 2021)
Tax Bill	$13,046 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Apr 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`213-400-130-000`

Property Details

APN / Parcel Number

Primary APN	`213-400-130-000`
Alternative APN	`213-400-13`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,046 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	11,606 sqft (0.266 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	213-400-13
Street Address	627 CHANNEL DR
City	LATHROP
State	CA
Zip	95330-8549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-FM PT OF 213-310-13/RM 42-4
Legal Subdivision	RIVER ISLANDS VILLAGE C3
Legal Block	1
Legal Lot Number	13
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1077
Census Tract	5214

Owner

627 Channel Dr is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	627 CHANNEL DR, LATHROP, CA 95330-8549
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 2, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Apr 2, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Oct 1, 2018	Deed of Trust, Mortgage WATERMARK CAP
Feb 28, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2021 · Amount on File
Deed Sale	Apr 2, 2021 · Amount on File
Prior Sale	Sep 19, 2014 · Amount on File
Deed Document Number	202159087
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	627 CHANNEL DR, LATHROP, CA 95330-8549
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CHANNEL DR, LATHROP, CA 95330-8549

Mortgage

Document Number	0000027070
Date	Apr 2, 2024
Instrument	2024-027070

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 2, 2021
Property Address	627 CHANNEL DR, LATHROP, CA 95330-8549
Document Number	0000059087
Map Reference	MB 42 PG 4
Instrument Date	Mar 30, 2021
Instrument	2021-059087
Transaction Type	Transfer
Record Updated	Aug 3, 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
Address	627 CHANNEL DR, LATHROP, CA 95330-8549

Mortgage

Document Number	0000059088
Date	Apr 2, 2021
Instrument	2021-059088

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	627 CHANNEL DR, LATHROP, CA 95330-8549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058051
Date	May 18, 2020
Instrument	2020-058051

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	627 CHANNEL DR, LATHROP, CA 95330-8549
Document Number	0000111303
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	627 CHANNEL DR LATHROP CA 953308549, LATHROP, CA 95330-8549

Mortgage

Document Number	0000111303
Date	Oct 5, 2018
Instrument	111303

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 4, 2048

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	627 CHANNEL DR, LATHROP, CA 95330-8549
Document Number	0000029263
Instrument Date	Feb 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 CHANNEL DR LATHROP CA 953308549, LATHROP, CA 95330-8549

Mortgage

Document Number	0000029263
Date	Mar 14, 2017
Instrument	29263

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 627 Channel Dr was $13,046 with a homeowner's exemption, down 2.3% 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	Banta Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,046.00 (-2.27%)
2025	$13,349.00 Homeowner's exemption	$865,943 Land $259,782 Building $606,161
2023	$12,743.00 (+1.99%) Homeowner's exemption	$832,320 Land $249,696 Building $582,624	$855,900
2022	$12,494.00

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

Flood

FEMA maps place 627 Channel Dr in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 107 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	107 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

Wildfire risk around 627 Channel Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Matrix Broadband Fixed Wireless	200 / 40
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies.

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