650 River Bend Dr, Lathrop, CA 95330 Property Records

San Joaquin County property record for 650 River Bend Dr, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,480 sqft · built 2016
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$586,500 (Feb 2016)
Tax Bill	$12,801 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`213-450-060-000`

Property Details

APN / Parcel Number

Primary APN	`213-450-060-000`
Alternative APN	`213-450-06`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,480 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Wood
Lot Area	7,405 sqft (0.17 acres)
Garage Area	655 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	213-450-06
Street Address	650 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	18
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 June 2, 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	650 RIVER BEND DR, LATHROP, CA 95330-8596
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Apr 7, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ELEVEN MTG
Dec 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2016 · Amount on Record
Deed Sale	Feb 24, 2016 · Amount on Record
Deed Document Number	201621135
Last Transfer Date	Feb 9, 2024
Transfer Doc	0000055025
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	650 RIVER BEND DR, LATHROP, CA 95330-8596
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 RIVER BEND DR, LATHROP, CA 95330-8596

Mortgage

Document Number	0000152039
Date	Sep 10, 2021
Instrument	2021-152039

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	650 RIVER BEND DR, LATHROP, CA 95330-8596
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039283
Date	Apr 7, 2017
Instrument	2017-039283

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	650 RIVER BEND DR, LATHROP, CA 95330-8596
Document Number	0000073473
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	650 RIVER BEND DR LATHROP CA 953308596, LATHROP, CA 95330-8596

Mortgage

Document Number	0000073473
Date	Jun 23, 2020
Instrument	73473

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	650 RIVER BEND DR, LATHROP, CA 95330-8596
Document Number	0000000766
Instrument Date	Dec 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	650 RIVER BEND DR LATHROP CA 953308596, LATHROP, CA 95330-8596

Mortgage

Document Number	0000000766
Date	Jan 3, 2019
Instrument	766

Lender

Name	SPRING EQ LLC
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 2, 2034

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
2025	$12,801.00 (+4.57%)	$726,587 (+4.04%) Land $242,674 Building $483,913
2023	$12,241.00 (+1.97%) Homeowner's exemption	$698,374 Land $233,251 Building $465,123	$805,050
2022	$12,004.00

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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