638 River Bend Dr, Lathrop, CA 95330 Property Records

San Joaquin County property record for 638 River Bend Dr, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,046 sqft · built 2016
Lot Size	0.154 acres (6,699 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Jan 2016)
Tax Bill	$11,019 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`213-450-050-000`

Property Details

APN / Parcel Number

Primary APN	`213-450-050-000`
Alternative APN	`213-450-05`

Interior

Bedrooms	4 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 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,699 sqft (0.154 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	213-450-05
Street Address	638 RIVER BEND DR
City	LATHROP
State	CA
Zip	95330-8596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-FM PT OF 213-310-24 PER RM 42-033
Legal Subdivision	RIVER ISLANDS VILLAGE C5
Legal Block	1
Legal Lot Number	17
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1077
Census Tract	5214

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	638 RIVER BEND DR, LATHROP, CA 95330-8596
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit THE POLICE CU
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 17, 2017	Quit Claim Deed, Transfer · Line of Credit SAN FRANCISCO POLICE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2016 · Amount on Record
Deed Sale	Jan 12, 2016 · Amount on Record
Deed Document Number	20164421
Last Transfer Date	Nov 2, 2017
Transfer Doc	0000134405
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	638 RIVER BEND DR, LATHROP, CA 95330-8596
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 RIVER BEND DR, LATHROP, CA 95330-8596

Mortgage

Document Number	0000018261
Date	Feb 10, 2022
Instrument	2022-018261

Lender

Name	THE POLICE CU
Type	Credit Union
Address	SAN BRUNO, CA 94066

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	638 RIVER BEND DR, LATHROP, CA 95330-8596
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 RIVER BEND DR, LATHROP, CA 95330-8596

Mortgage

Document Number	0000020957
Date	Feb 4, 2021
Instrument	2021-020957

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 17, 2017
Property Address	638 RIVER BEND DR, LATHROP, CA 95330-8596
Document Number	0000134405
Instrument Date	Nov 2, 2017
Instrument	134405
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	638 RIVER BEND DR LATHROP CA 953308596, LATHROP, CA 95330-8596

Mortgage

Document Number	134406
Date	Nov 17, 2017
Instrument	134406

Lender

Name	SAN FRANCISCO POLICE CU
Type	Credit Union
Address	SAN FRANCISCO, CA 94122

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$11,019.00 (+0.69%)
2025	$10,944.00 (+4.53%)	$622,697 (+10.64%) Land $204,792 Building $417,905
2023	$10,470.00 (+5.65%)	$562,819 Land $196,841 Building $365,978	$775,080
2022	$9,910.00

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 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 Record 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

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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