San Joaquin County property record for 12972 Finck Rd, Tracy, CA 95304 · Last verified October 2025
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 2,465 sqft · built 1959 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $980,000 (Aug 2024) |
| Tax Bill | $11,530 (2025) |
| Deeds & Mortgages | Nov 2021 Second Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 189-260-060-000 |
| Primary APN | 189-260-060-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,465 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Construction Type | Wood |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Mixed |
| Garage Area | 597 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 12972 FINCK RD |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95304-9440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | STOCKTON |
| Census Block Group | 1 |
| Census Block | 1124 |
| Census Tract | 3900 |
Source: San Joaquin County records · APN 189-260-060-000
Assessment roll updated July 1, 2025 · Last verified October 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 12972 FINCK RD, TRACY, CA 95304-9440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Feb 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 27, 2024 · Amount on Record |
| Deed Sale | Aug 27, 2024 · Amount on Record |
| Prior Sale | Feb 12, 2015 · Amount on Record |
| Deed Document Number | 2024-072105 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 12972 FINCK RD, TRACY, CA 95304-9440 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12972 FINCK RD, TRACY, CA 95304-9440 |
| Document Number | 0000192526 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 2021-192526 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19104 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 236 Months |
| Due | Jul 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 12972 FINCK RD, TRACY, CA 95304-9440 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA |
| Name | Verified Name |
|---|---|
| Address | 12972 FINCK RD, TRACY, CA 95304-9440 |
| Document Number | 0000020927 |
|---|---|
| Date | Feb 04, 2021 |
| Instrument | 2021-020927 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Unified School District | Tracy Unified School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $11,530.00 (+106.59%) | $980,000 (+100.08%) Land $295,000 Building $685,000 |
| 2023 | $5,581.00 (+1.97%) | $489,809 Land $150,171 Building $339,638 |
| 2022 | $5,473.00 |
Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 14.0 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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