1301 Harding Ave, Tracy, CA 95376 Property Records

San Joaquin County property record for 1301 Harding Ave, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,572 sqft · built 1951
Lot Size	0.144 acres (6,272 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,026 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`232-235-080-000`

Property Details

APN / Parcel Number

Primary APN	`232-235-080-000`
Alternative APNs	`232-235-08` `23121208`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,572 sqft Living Area
1st Floor Area	1,572 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Lot Area	6,272 sqft (0.144 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	232-235-08
Street Address	1301 HARDING AVE
City	TRACY
State	CA
Zip	95376-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 265 LOT 85
Legal Subdivision	LEWIS MANOR
Legal Tract	265
Legal Block	1
Legal Lot Number	85
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1003
Census Tract	5308

Owner

Source: San Joaquin County records, as of May 6, 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	1301 HARDING AVE, TRACY, CA 95376-3316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 26, 2019	Deed of Trust, Mortgage VANTAGE PT TITLE INC
Jun 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 3, 2026
Property Address	1301 HARDING AVE, TRACY, CA 95376-3316
Document Number	0000050657
Instrument Date	May 23, 2026
Instrument	202650657
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1301 HARDING AVE, TRACY, CA 95376-3316

Mortgage

Document Number	0000050657,
Date	Jun 3, 2026
Instrument	202650657

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1301 HARDING AVE, TRACY, CA 95376-3316
Document Number	0000099184
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11010 BURDETTE ST OMAHA NE 681643801, OMAHA, NE 68164-3801

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1301 HARDING AVE, TRACY, CA 95376-3316
Document Number	0000064221
Instrument Date	Jun 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1301 HARDING AVE TRACY CA 953763316, TRACY, CA 95376-3316

Mortgage

Document Number	0000064221
Date	Jun 11, 2018
Instrument	64221

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 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
2025	$1,026.00 (+10.44%) Homeowner's exemption	$94,690 (+4.04%) Land $12,929 Building $81,761
2023	$929.00 (+2.31%) Homeowner's exemption	$91,015 Land $12,428 Building $78,587	$463,500
2022	$908.00

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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