San Joaquin County property record for 865 Tern Dr, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,502 sqft · built 2022 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600,000 (Aug 2022) |
| Tax Bill | $9,717 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 192-110-360-000 |
| Primary APN | 192-110-360-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,502 sqft Living Area |
| 1st Floor Area | 1,502 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 865 TERN DR |
|---|---|
| City | LATHROP |
| State | CA |
| Zip | 95330-8045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 109 STANFORD CROSSING PHASE 1B-1 4017 |
| Legal Subdivision | STANFORD CROSSING PHASE 1B |
| Legal Block | 3 |
| Legal Lot Number | 109 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 5119 |
Source: San Joaquin County assessment roll, as of September 24, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 865 TERN DR, LATHROP, CA 95330-8045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on Record |
| Deed Sale | Aug 30, 2022 · Amount on Record |
| Deed Document Number | 2022102720 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Aug 30, 2022 |
| Property Address | 865 TERN DR, LATHROP, CA 95330-8045 |
| Document Number | 0000102720 |
| Map Reference | MB 43 PG 155 |
| Instrument Date | Aug 25, 2022 |
| Instrument | 2022-102720 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 25, 2023 |
| Title Company | FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 865 TERN DR, LATHROP, CA 95330-8045 |
| Document Number | 0000102721 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 2022-102721 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
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 | Manteca Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,717.00 (+0.85%) Homeowner's exemption | $596,600 (-0.57%) Land $175,000 Building $421,600 | |
| 2023 | $9,635.00 (+111.57%) Homeowner's exemption | $600,000 Land $135,000 Building $465,000 | $547,200 |
| 2022 | $4,554.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 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, UnWired Broadband Holding, Verizon, Zinnia Networks.
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