654 Madrone St, Lathrop, CA 95330 Property Records

San Joaquin County property record for 654 Madrone St, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,272 sqft · built 2022
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$661,500 (May 2022)
Tax Bill	$11,723 (2026)
Deeds & Mortgages	Oct 2022 Mortgage May 2022 Transfer + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`192-050-850-000`

Property Details

APN / Parcel Number

Primary APN	`192-050-850-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,272 sqft Living Area
1st Floor Area	2,272 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	654 MADRONE ST
City	LATHROP
State	CA
Zip	95330-8492
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 85 STANFORD CROSSING-PHASE 1A-TRACT 3808
Legal Subdivision	STANFORD CROSSING-PHASE 1A
Legal Tract	3808
Legal Block	3
Legal Lot Number	85
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3032
Census Tract	5119

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	654 MADRONE ST, LATHROP, CA 95330-8492
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage DIGITAL FCU
May 12, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
May 12, 2022	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP
Oct 1, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on Record
Deed Sale	May 12, 2022 · Amount on Record
Deed Document Number	202261607
Last Transfer Date	Sep 24, 2022
Transfer Doc	0000117274
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 11, 2022
Property Address	654 MADRONE ST, LATHROP, CA 95330-8492
Document Number	0000117274
Map Reference	MB 43 PG 115
Instrument Date	Sep 24, 2022
Instrument	2022-117274
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	654 MADRONE ST, LATHROP, CA 95330-8492

Mortgage

Document Number	0000117275
Date	Oct 11, 2022
Instrument	2022-117275

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Oct 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	5.37%
Index	Other
Margin	3
Max Rate	8.37%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 12, 2022
Property Address	654 MADRONE ST, LATHROP, CA 95330-8492
Document Number	0000061608
Map Reference	MB 43 PG 115
Instrument Date	May 11, 2022
Instrument	2022-061608
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 MADRONE ST, LATHROP, CA 95330-8492

May 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 12, 2022
Property Address	654 MADRONE ST, LATHROP, CA 95330-8492
Document Number	0000061607
Map Reference	MB 43 PG 115
Instrument Date	Mar 9, 2022
Instrument	2022-061607
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 25, 2022
Title Company	FIRST AMERICAN TITLE HSD, FIRST AMERICAN TITLE CO HSD

Transaction

Amount	Amount Recorded
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	654 MADRONE ST, LATHROP, CA 95330-8492

Mortgage

Document Number	0000061609
Date	May 12, 2022
Instrument	2022-061609

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.5%
Index	Other
Max Rate	9.5%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 1, 2020
Property Address	654 MADRONE ST, LATHROP, CA 95330-8492
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 Recorded
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

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	$11,723.00 (+1.24%)
2025	$11,579.00 (+3.89%)	$701,521 (+4.04%) Land $127,344 Building $574,177
2023	$11,145.00 (+120.47%)	$674,282 Land $122,400 Building $551,882	$657,540
2022	$5,055.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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