OLD REPUBLIC TITLE COMPANY PLEASANT, OLD REPUBLIC TTL CO PLEASANT
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
877 TORO LN, LATHROP, CA 95330-9677
Mortgage
Document Number
0000064957
Date
May 20, 2022
Instrument
2022-064957
Lender
Name
FINANCE OF AMERICA REVERSE LLC
Type
Reverse Mortgage Lender
Address
TULSA, OK 74133
Agreement
Type
Reverse Mortgage
Amount
Amount on Record
Term
872 Months
Due
Jan 14, 2095
Interest
Rate Type
Adjustable Rate
Rate
4.1%
Adjustable
Adjustable Rate Rider
Type Change Date
Jul 1, 2022
Change Frequency
Monthly
Index
1-Year CMT
Max Rate
9.1%
November 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SAN JOAQUIN CA
Property Address
877 TORO LN, LATHROP, CA 95330-9677
Transaction Type
Mortgage
Record Updated
Feb 5, 2021
Title Company
OLD REPUBLIC TITLE COMPANY
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
877 TORO LN, LATHROP, CA 95330-9677
Mortgage
Document Number
0000163242
Date
Nov 24, 2020
Instrument
2020-163242
Lender
Name
FINANCE OF AMERICA REVERSE LLC
Type
Reverse Mortgage Lender
Address
TULSA, OK 74133
Agreement
Type
Reverse Mortgage
Amount
Amount on Record
Term
890 Months
Due
Jan 14, 2095
Interest
Rate Type
Adjustable Rate
Rate
2.74%
Type Change Date
Dec 1, 2021
Change Frequency
Annually
Index
1-Year LIBOR
November 2020: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SAN JOAQUIN CA
Property Address
877 TORO LN, LATHROP, CA 95330-9677
Document Number
0000163243
Instrument Date
Nov 18, 2020
Transaction Type
Mortgage
Record Updated
Dec 10, 2020
Title Company
OLD REPUBLIC TITLE COMPANY PLEASANT, OLD REPUBLIC TITLE CO PLEASANT
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Living Trust
Address
877 TORO LN LATHROP CA 953309677, LATHROP, CA 95330-9677
Mortgage
Document Number
0000163243
Date
Nov 24, 2020
Instrument
163243
Lender
Name
HUD-HOUSING/URBAN DEV
Address
451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
900 Months
Due
Nov 23, 2095
Interest
Rate Type
Adjustable Rate
Rate
2.74%
Tax Assessment & Valuation
The 2026 property tax bill for 877 Toro Ln was $6,703, up 0.9% from the year before.
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
$6,703.00 (+0.93%)
2025
$6,641.00
$561,000Land $153,000Building $408,000
2023
$3,378.00 (+1.5%)Homeowner's exemption
$273,827Land $97,227Building $176,600
$482,670
2022
$3,328.00
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
FEMA maps place 877 Toro Ln in Zone X, where a levee reduces flood risk.
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
Community Rating System
Class 10 (0% premium discount)
Nearby Flood Policies
4 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
Wildfire risk around 877 Toro Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood
Under 0.01% 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 546 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
Xfinity Cable
2,000 / 250
Cal.net Fixed Wireless
100 / 20
T-Mobile Fixed Wireless
100 / 20
May also be available: Ayera Technologies, Frontier, Matrix Broadband, unWired Broadband, Verizon.