1416 Harding Ave, Tracy, CA 95376 Property Records

San Joaquin County property record for 1416 Harding Ave, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,818 sqft · built 1956
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$408,000 (Oct 2020)
Tax Bill	$5,089 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`232-232-020-000`

Property Details

APN / Parcel Number

Primary APN	`232-232-020-000`
Alternative APNs	`232-232-02` `23123409`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,818 sqft Living Area
1st Floor Area	1,818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	232-232-02
Street Address	1416 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 231-234-09
Legal Subdivision	LEWIS MANOR
Legal Block	2
Legal Lot Number	50
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2008
Census Tract	5308

Owner

1416 Harding Ave is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1416 HARDING AVE, TRACY, CA 95376-3319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Non-Conforming Investor Loan NAVY FCU
Oct 20, 2020	Grant Deed, Transfer · VA Mortgage NAVY FCU
May 20, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2020 · Amount on File
Deed Sale	Oct 20, 2020 · Amount on File
Prior Sale	May 4, 2011 · Amount on File
Deed Document Number	2020140485
Prior Transfer Date	Sep 30, 1994
Prior Transfer Doc	0000113297
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1416 HARDING AVE, TRACY, CA 95376-3319
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 HARDING AVE, TRACY, CA 95376-3319

Mortgage

Document Number	0000015436
Date	Feb 25, 2026
Instrument	2026-015436

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 20, 2020
Property Address	1416 HARDING AVE, TRACY, CA 95376-3319
Document Number	0000140485
Map Reference	VOL 14 PG 63
Instrument Date	Oct 16, 2020
Instrument	2020-140485
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount 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
Relationship	Community Property with Right of Survivorship
Address	1416 HARDING AVE, TRACY, CA 95376-3319

Mortgage

Document Number	0000140486
Date	Oct 20, 2020
Instrument	2020-140486

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

May 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 20, 2020
Property Address	1416 HARDING AVE, TRACY, CA 95376-3319
Document Number	0000059678
Instrument Date	May 20, 2020
Instrument	59678
Transaction Type	Transfer
Record Updated	Jun 3, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	646 CEDAR DR LIVERMORE CA 945516183, LIVERMORE, CA 94551-6183

Tax Assessment & Valuation

The 2026 property tax bill for 1416 Harding Ave was $5,089.

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	$5,089.00 (-0.04%)
2025	$5,091.00	$441,629 Land $129,890 Building $311,739
2023	$4,618.00 (+2.08%)	$424,483 Land $124,848 Building $299,635	$491,490
2022	$4,524.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1416 Harding Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1416 Harding Ave is low, with less than a 0.01% annual chance of 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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