San Joaquin County property record for 1045 Larkspur Dr, Tracy, CA 95376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,272 sqft · built 1989 |
| Lot Size | 0.269 acres (11,707 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $735,000 (Oct 2022) |
| Tax Bill | $8,054 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 242-060-780-000 |
| Primary APN | 242-060-780-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,272 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 11,707 sqft (0.269 acres) |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 242-060-78 |
|---|---|
| Street Address | 1045 LARKSPUR DR |
| City | TRACY |
| State | CA |
| Zip | 95376-9737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 89-FM PT OF 242-020-08 |
| Legal Subdivision | HEARTHSTONE |
| Legal Block | 4 |
| Legal Lot Number | 78 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 5208 |
1045 Larkspur Dr is owned by two individuals who bought it in October 2022.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 169 W PEACE RIVER DR, FRESNO, CA 93711-6953 |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 18, 2025 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU |
| Oct 6, 2022 | Grant Deed, Transfer · Conventional Mortgage UNIVERSITY CU |
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2022 · Amount on File |
| Deed Sale | Oct 6, 2022 · Amount on File |
| Deed Document Number | 2022116453 |
| Prior Transfer Date | Feb 5, 2003 |
| Prior Transfer Doc | 0000028963 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 1045 LARKSPUR DR, TRACY, CA 95376-9737 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1045 LARKSPUR DR, TRACY, CA 95376-9737 |
| Document Number | 0000102764 |
|---|---|
| Date | Nov 18, 2025 |
| Instrument | 2025-102764 |
| Name | UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Address | LOS ANGELES, CA 90025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 13, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 6, 2022 |
| Property Address | 1045 LARKSPUR DR, TRACY, CA 95376-9737 |
| Document Number | 0000116453 |
| Map Reference | VOL 29 PG 36 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 2022-116453 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 169 W PEACE RIVER DR, FRESNO, CA 93711-6953 |
| Document Number | 0000116454 |
|---|---|
| Date | Oct 6, 2022 |
| Instrument | 2022-116454 |
| Name | UNIVERSITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 1045 LARKSPUR DR, TRACY, CA 95376-9737 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1045 LARKSPUR DR, TRACY, CA 95376-9737 |
| Document Number | 0000141616 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 2020-141616 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 1045 Larkspur Dr was $8,054, down 10.4% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,054.00 (-10.36%) | ||
| 2025 | $8,985.00 | $764,694 Land $208,080 Building $556,614 | |
| 2023 | $8,156.00 (+74.42%) | $735,000 Land $200,000 Building $535,000 | $648,990 |
| 2022 | $4,676.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1045 Larkspur Dr in Zone X, an area of minimal 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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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.
The area around 1045 Larkspur Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 TRACY serves 98,215 people · EPA ID CA3910011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| 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 663 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Matrix Broadband Fixed Wireless | 600 / 120 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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