1410 Harding Ave, Tracy, CA 95376 Property Records

San Joaquin County property record for 1410 Harding Ave, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 1957
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Tax Bill	$5,624 (2026)
Deeds & Mortgages	May 2026 Mortgage Aug 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`232-232-030-000`

Property Details

APN / Parcel Number

Primary APN	`232-232-030-000`
Alternative APNs	`232-232-03` `23123408`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,841 sqft (0.18 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	232-232-03
Street Address	1410 HARDING AVE
City	TRACY
State	CA
Zip	95376-3319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REDRAWN JAN-06-1994 FROM ORIGINAL APN 231-234-08
Legal Subdivision	MCKINLEY ESTATES
Legal Block	2
Legal Lot Number	51
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2008
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	1410 HARDING AVE, TRACY, CA 95376-3319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Gift Deed, Transfer · FHA Mortgage AMERA MORTGAGE CORPORATION
Aug 10, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Aug 10, 2021	Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026
Deed Sale	May 27, 2026
Prior Sale	Aug 10, 2021 · Amount on Record
Deed Document Number	202648262
Prior Transfer Date	Aug 4, 2021
Prior Transfer Doc	0000133823
Record Updated	Oct 29, 2026

May 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 27, 2026
Property Address	1410 HARDING AVE, TRACY, CA 95376-3319
Document Number	0000048262
Instrument Date	May 13, 2026
Instrument	202648262
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1410 HARDING AVE, TRACY, CA 95376-3319

Mortgage

Document Number	0000048263,
Date	May 27, 2026
Instrument	202648263

Lender

Name	AMERA MORTGAGE CORPORATION

Agreement

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

Interest

Rate	6.3%
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 10, 2021
Property Address	1410 HARDING AVE, TRACY, CA 95376-3319
Document Number	0000133823
Map Reference	VOL 14 PG 63
Instrument Date	Aug 4, 2021
Instrument	2021-133823
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	3649 DEER TRAIL DR, DANVILLE, CA 94506-6021

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 10, 2021
Property Address	1410 HARDING AVE, TRACY, CA 95376-3319
Document Number	0000133822
Map Reference	VOL 14 PG 63
Instrument Date	Aug 3, 2021
Instrument	2021-133822
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	3649 DEER TRAIL DR, DANVILLE, CA 94506-6021

Mortgage

Document Number	0000133824
Date	Aug 10, 2021
Instrument	2021-133824

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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	$5,624.00 (-8%)
2025	$6,113.00 (+10.26%)	$530,603 (+4.04%) Land $159,181 Building $371,422
2023	$5,544.00 (+2.06%)	$510,000 Land $153,000 Building $357,000	$516,330
2022	$5,432.00

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Matrix Broadband.

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