San Joaquin County property record for 920 Toro Ln, Lathrop, CA 95330
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,568 sqft · built 1990 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Dec 2009) |
| Tax Bill | $2,651 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit May 2019 Mortgage + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 196-450-090-000 |
| Primary APN | 196-450-090-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 6,000 sqft (0.138 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 196-450-09 |
|---|---|
| Street Address | 920 TORO LN |
| City | LATHROP |
| State | CA |
| Zip | 95330-9680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REDRAWN JAN-11-1993 FROM ORIGINAL APN 195-580-09 |
| Legal Subdivision | LATHROP VILLAGE HOMES |
| Legal Block | 1 |
| Legal Lot Number | 522 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 5130 |
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 | 920 TORO LN, LATHROP, CA 95330-9680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| May 23, 2019 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAYCAL CAPITAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2009 · Amount on Record |
| Deed Sale | Dec 10, 2009 · Amount on Record |
| Prior Sale | Jul 3, 2009 · Amount on Record |
| Deed Document Number | 2009175738 |
| Prior Transfer Date | Sep 30, 2008 |
| Prior Transfer Doc | 0000162892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 920 TORO LN, LATHROP, CA 95330-9680 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 920 TORO LN, LATHROP, CA 95330-9680 |
| Document Number | 0000092895 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 2025-092895 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 920 TORO LN, LATHROP, CA 95330-9680 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | CHICAGO TITLE CO STOCKTON |
| Name | Verified Name |
|---|---|
| Address | 920 TORO LN, LATHROP, CA 95330-9680 |
| Document Number | 0000053058 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 2019-053058 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 920 TORO LN, LATHROP, CA 95330-9680 |
| Document Number | 0000090589 |
| Instrument Date | Jul 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 920 TORO LN LATHROP CA 953309680, LATHROP, CA 95330-9680 |
| Document Number | 0000090589 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 90589 |
| Name | BAYCAL CAPITAL SERVICES INC |
|---|---|
| Address | 3553 CASTRO VALLEY BLVD # H, CASTRO VALLEY, CA 94546-4461 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 27, 2050 |
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 |
|---|---|---|---|
| 2026 | $2,651.00 (+0.91%) | ||
| 2025 | $2,627.00 (+2.9%) | $200,060 (+4.04%) Land $58,080 Building $141,980 | |
| 2023 | $2,553.00 (+1.43%) | $192,294 Land $55,826 Building $136,468 | $434,160 |
| 2022 | $2,517.00 |
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 |
| 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.
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.
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 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.
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