1321 Harding Ave, Tracy, CA 95376 Property Records

San Joaquin County property record for 1321 Harding Ave, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1951
Lot Size	0.144 acres (6,272 sqft)
Owner	Individual Name on Record
Tax Bill	$1,316 (2026)
Deeds & Mortgages	Jul 2026 Reverse Mortgage Jul 2026 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`232-235-100-000`

Property Details

APN / Parcel Number

Primary APN	`232-235-100-000`
Alternative APNs	`232-235-10` `23121206`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	924 sqft

Exterior

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

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	232-235-10
Street Address	1321 HARDING AVE
City	TRACY
State	CA
Zip	95376-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REDRAWN OCT-22-1993 FROM ORIGINAL APN 231-212-06
Legal Subdivision	LEWIS MANOR
Legal Block	1
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 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	1321 HARDING AVE, TRACY, CA 95376-3316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Jul 7, 2026	Deed of Trust · Reverse Mortgage FIRST AMERICAN TITLE
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF STOCKTON

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 7, 2026
Property Address	1321 HARDING AVE, TRACY, CA 95376-3316
Document Number	0000061493
Instrument Date	Jul 1, 2026
Instrument	202661493
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	1321 HARDING AVE, TRACY, CA 95376-3316

Mortgage

Document Number	0000061493,
Date	Jul 7, 2026
Instrument	202661493

Lender

Name	SYNERGY ONE LENDING

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	913 Months
Due	Aug 23, 2102

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 7, 2026
Property Address	1321 HARDING AVE, TRACY, CA 95376-3316
Document Number	0000061494
Instrument Date	Jul 1, 2026
Instrument	202661494
Record Updated	Aug 31, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	1321 HARDING AVE, TRACY, CA 95376-3316

Mortgage

Document Number	0000061494,
Date	Jul 7, 2026
Instrument	202661494

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	913 Months
Due	Aug 23, 2102

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1321 HARDING AVE, TRACY, CA 95376-3316
Transaction Type	Mortgage
Record Updated	Feb 19, 2024
Title Company	WFG TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 HARDING AVE, TRACY, CA 95376-3316

Mortgage

Document Number	0000009813
Date	Feb 7, 2024
Instrument	2024-009813

Lender

Name	BANK OF STOCKTON
Type	Bank
Address	STOCKTON, CA 95201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,316.00 (+0.08%)
2025	$1,315.00 (+10.41%) Homeowner's exemption	$119,873 (+4.04%) Land $63,523 Building $56,350
2023	$1,191.00 (+2.23%) Homeowner's exemption	$115,220 Land $61,057 Building $54,163	$369,180
2022	$1,165.00

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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