659 Willow Bend, Lathrop, CA 95330 Property Records

San Joaquin County property record for 659 Willow Bend, Lathrop, CA 95330

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,030 sqft · built 2023
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Tax Bill	$10,137 (2025)
Deeds & Mortgages	Oct 2023 Sale & Second Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`192-170-210-000`

Property Details

APN / Parcel Number

Primary APN	`192-170-210-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,030 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,356 sqft (0.1 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	659 WILLOW BND
City	LATHROP
State	CA
Zip	95330-8167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 88 STANFORD CROSSING-PHASE 1B 4018
Legal Subdivision	STANFORD CROSSING-PHASE 1B
Legal Block	3
Legal Lot Number	88
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	3
Census Block	3040
Census Tract	5119

Owner

Source: San Joaquin County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	659 WILLOW BND, LATHROP, CA 95330-8167
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Grant Deed, Subdivision Related Transfer · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Oct 10, 2023	Intrafamily Transfer, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023
Deed Sale	Oct 10, 2023
Prior Sale	Oct 10, 2023 · Amount on Record
Deed Document Number	202380784
Record Updated	Sep 20, 2026

October 2023: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 10, 2023
Property Address	659 WILLOW BND, LATHROP, CA 95330-8167
Document Number	0000080783
Map Reference	MB 43 PG 174
Instrument Date	Oct 4, 2023
Instrument	2023-080783
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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	659 WILLOW BND, LATHROP, CA 95330-8167

Mortgage

Document Number	0000080786
Date	Oct 10, 2023
Instrument	2023-080786

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 28, 2053

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 10, 2023
Property Address	659 WILLOW BND, LATHROP, CA 95330-8167
Document Number	0000080784
Map Reference	MB 43 PG 174
Instrument Date	Sep 30, 2023
Instrument	2023-080784
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	FIRST AMER TTL CO HOMEBUILDE

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	659 WILLOW BND, LATHROP, CA 95330-8167

Mortgage

Document Number	0000080785
Date	Oct 10, 2023
Instrument	2023-080785

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

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
2025	$10,137.00 (+106.79%)	$645,772 (+233.22%) Land $193,800 Building $451,972
2023	$4,902.00 (+7.71%)	$193,800 Land $193,800	$558,360
2022	$4,551.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 42% of the US · lower than 75% of California
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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 619 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Ayera Technologies Fixed Wireless	120 / 40
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Matrix Broadband, unWired Broadband, Verizon.

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