632 Bacarra St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 632 Bacarra St, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,272 sqft · built 2021
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Apr 2022)
Tax Bill	$11,396 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`192-050-660-000`

Property Details

APN / Parcel Number

Primary APN	`192-050-660-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,272 sqft Living Area
1st Floor Area	2,272 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Garage Area	469 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	632 BACARRA ST
City	LATHROP
State	CA
Zip	95330-8490
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 66 STANFORD CROSSING-PHASE 1A-TRACT 3808
Legal Subdivision	STANFORD CROSSING-PHASE 1A
Legal Tract	3808
Legal Block	3
Legal Lot Number	66
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3032
Census Tract	5119

Owner

632 Bacarra St is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	632 BACARRA ST, LATHROP, CA 95330-8490
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 15, 2022	Grant Deed, Transfer · Conventional Mortgage CHEVRON FCU
Dec 14, 2021	Grant Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 1, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2022 · Amount on File
Deed Sale	Apr 15, 2022 · Amount on File
Prior Sale	Dec 14, 2021 · Amount on File
Deed Document Number	202248914
Record Updated	Oct 29, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 15, 2022
Property Address	632 BACARRA ST, LATHROP, CA 95330-8490
Document Number	0000048914
Map Reference	MB 43 PG 115
Instrument Date	Apr 11, 2022
Instrument	2022-048914
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Partially Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	632 BACARRA ST, LATHROP, CA 95330-8490

Mortgage

Document Number	0000048915
Date	Apr 15, 2022
Instrument	2022-048915

Lender

Name	CHEVRON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	Other
Margin	3
Max Rate	7.75%

December 2021: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 14, 2021
Property Address	632 BACARRA ST, LATHROP, CA 95330-8490
Document Number	0000208438
Map Reference	MB 43 PG 115
Instrument Date	Nov 8, 2021
Instrument	2021-208438
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	16432 ADOBE WAY, LATHROP, CA 95330-8960

Mortgage

Document Number	0000208439
Date	Dec 14, 2021
Instrument	2021-208439

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 1, 2020
Property Address	632 BACARRA ST, LATHROP, CA 95330-8490
Document Number	0000130875
Instrument Date	Oct 1, 2020
Instrument	130875
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$7,105.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 HARBOR CTR #100 SUISUN CITY CA 945852468, 100, SUISUN CITY, CA 94585-2468
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 632 Bacarra St was $11,396, down 3.1% 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	$11,396.00 (-3.12%)
2025	$11,763.00	$737,300 Land $220,000 Building $517,300
2023	$10,657.00 (+0.78%)	$785,400 Land $234,600 Building $550,800	$777,960
2022	$10,574.00

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

Flood

FEMA maps place 632 Bacarra 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 632 Bacarra 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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