1220 Harding Ave, Tracy, CA 95376 Property Records

San Joaquin County property record for 1220 Harding Ave, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 852 sqft · built 1951
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Sep 2021)
Tax Bill	$5,268 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`232-290-210-000`

Property Details

APN / Parcel Number

Primary APN	`232-290-210-000`
Alternative APN	`232-290-21`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	852 sqft Living Area
1st Floor Area	852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	232-290-21
Street Address	1220 HARDING AVE
City	TRACY
State	CA
Zip	95376-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REDRAWN JAN-05-1994 FROM ORIGINAL APN 231-213-18
Legal Subdivision	LEWIS MANOR
Legal Tract	265
Legal Block	1
Legal Lot Number	65
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1002
Census Tract	5308

Owner

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	Individual Name on Record
Mailing Address	1220 HARDING AVE, TRACY, CA 95376-3315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Sep 1, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 29, 2018	Quit Claim Deed, Transfer · Conventional Mortgage VALLEY FIRST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Oct 21, 2010 · Amount on Record
Deed Document Number	2021146370
Prior Transfer Date	Aug 6, 2018
Prior Transfer Doc	0000095911
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 1, 2021
Property Address	1220 HARDING AVE, TRACY, CA 95376-3315
Document Number	0000146371
Map Reference	VOL 13 PG 81
Instrument Date	Aug 31, 2021
Instrument	2021-146371
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	1220 HARDING AVE, TRACY, CA 95376-3315

Mortgage

Document Number	0000146372
Date	Sep 1, 2021
Instrument	2021-146372

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 1, 2021
Property Address	1220 HARDING AVE, TRACY, CA 95376-3315
Document Number	0000146370
Map Reference	VOL 13 PG 81
Instrument Date	Aug 26, 2021
Instrument	2021-146370
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1220 HARDING AVE, TRACY, CA 95376-3315

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1220 HARDING AVE, TRACY, CA 95376-3315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY AUBURN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090257
Date	Jul 27, 2020
Instrument	2020-090257

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 29, 2018
Property Address	1220 HARDING AVE, TRACY, CA 95376-3315
Document Number	0000095911
Instrument Date	Aug 6, 2018
Instrument	95911
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1220 HARDING AVE TRACY CA 953763315, TRACY, CA 95376-3315

Mortgage

Document Number	95912
Date	Aug 29, 2018
Instrument	95912

Lender

Name	VALLEY FIRST CU
Type	Credit Union
Address	MODESTO, CA 95350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

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	Tracy City
Unified School District	Tracy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,268.00 (-10.22%)
2025	$5,868.00 (+10.26%)	$509,379 (+4.04%) Land $159,181 Building $350,198
2023	$5,322.00 (+2.07%)	$489,600 Land $153,000 Building $336,600	$495,990
2022	$5,214.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Matrix Broadband, Verizon.

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