San Joaquin County property record for 645 Lakeside Dr, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,555 sqft · built 2016 |
| Lot Size | 0.131 acres (5,690 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Aug 2016) |
| Tax Bill | $9,721 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 213-410-420-000 |
| Primary APN | 213-410-420-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,555 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Construction Type | Wood |
| Lot Area | 5,690 sqft (0.131 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 213-410-42 |
|---|---|
| Street Address | 645 LAKESIDE DR |
| City | LATHROP |
| State | CA |
| Zip | 95330-8407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15-FM POR OF 213-310-18 PER RIVER ISLANDS-VILLAGE |
| Legal Subdivision | RIVER ISLANDS VILLAGE C1 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1081 |
| Census Tract | 5214 |
645 Lakeside Dr is owned and occupied by two individuals who bought it in August 2016.
Source: San Joaquin County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 LAKESIDE DR, LATHROP, CA 95330-8407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2016 · Amount on File |
| Deed Sale | Aug 18, 2016 · Amount on File |
| Deed Document Number | 201696799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 645 LAKESIDE DR, LATHROP, CA 95330-8407 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | TITLE 500 INC, TITLE 365 INC |
| Name | Verified Name |
|---|---|
| Address | 645 LAKESIDE DR, LATHROP, CA 95330-8407 |
| Document Number | 0000027750 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 2021-027750 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
The 2026 property tax bill for 645 Lakeside Dr was $9,721 with a homeowner's exemption, up 0.6% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Lathrop City |
| Unified School District | Banta Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,721.00 (+0.6%) | ||
| 2025 | $9,663.00 Homeowner's exemption | $539,667 Land $189,173 Building $350,494 | |
| 2023 | $9,244.00 (+1.97%) Homeowner's exemption | $518,713 Land $181,828 Building $336,885 | $764,190 |
| 2022 | $9,065.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Lakeside 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 risk around 645 Lakeside 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 95% of the US · lower than 97% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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