1324 Cow Ct, Tracy, CA 95391 Property Records

San Joaquin County property record for 1324 Cow Ct, Tracy, CA 95391

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,794 sqft · built 2018
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Company Names on Record
Tax Bill	$13,993 (2026)
Deeds & Mortgages	Jul 2026 Sale Oct 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`262-280-200-000`

Property Details

APN / Parcel Number

Primary APN	`262-280-200-000`
Alternative APN	`262-280-20`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,794 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Garage Area	729 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	262-280-20
Street Address	1324 COW CT
City	TRACY
State	CA
Zip	95391-1457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1038
Census Tract	5223

Owner

Source: San Joaquin County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	1324 COW CT, TRACY, CA 95391-1457
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Oct 27, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STAR ONE CU
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORP
Feb 8, 2018	Deed of Trust, Mortgage SAFE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 17, 2026
Transfer Doc	0000069105
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 30, 2026
Property Address	1324 COW CT, TRACY, CA 95391-1457
Document Number	0000069105
Instrument Date	Jul 17, 2026
Instrument	202669105
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1324 COW CT, TRACY, CA 95391-1457

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1324 COW CT, MOUNTAIN HOUSE, CA 95391-1457
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 COW CT, MOUNTAIN HOUSE, CA 95391-1457

Mortgage

Document Number	0000091661
Date	Oct 27, 2025
Instrument	2025-091661

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2045

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1324 COW CT, MOUNTAIN HOUSE, CA 95391-1457
Document Number	0000140032
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 4, 2020
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1324 COW CT MOUNTAIN HOUSE CA 953911457, MOUNTAIN HOUSE, CA 95391-1457

Mortgage

Document Number	0000140032
Date	Oct 20, 2020
Instrument	140032

Lender

Name	OWNING CORP
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1324 COW CT, MOUNTAIN HOUSE, CA 95391-1457
Document Number	0000015744
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5585 SPRINGHOUSE DR #22 PLEASANTON CA 945884086, 22, PLEASANTON, CA 94588-4086

Mortgage

Document Number	0000015744
Date	Feb 9, 2018
Instrument	15744

Lender

Name	SAFE FCU
Type	Credit Union
Address	FOLSOM, CA 95630-8765

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.62%

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	Mountain House City
Unified School District	Lammersville Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,993.00 (+12.47%)
2025	$12,442.00 (+4.62%)	$759,540 (+4.04%) Land $216,184 Building $543,356
2023	$11,892.00 (+2.15%)	$730,048 Land $207,791 Building $522,257	$1,056,960
2022	$11,642.00

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	Moderate above 69% of the US · above 43% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Matrix Broadband Fixed Wireless	400 / 80
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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