San Joaquin County property record for 1540 Bernard Phelan Ave, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,207 sqft · built 2021 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $606,500 (Aug 2021) |
| Tax Bill | $9,779 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-640-660-000 |
| Primary APN | 238-640-660-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,207 sqft Living Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1540 BERNARD PHELAN AVE |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95377-7221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 66 SANTOSHA, TRACT 3856 |
| Legal Subdivision | SANTOSHA |
| Legal Tract | 3856 |
| Legal Block | 1 |
| Legal Lot Number | 66 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 5211 |
1540 Bernard Phelan Ave is owned and occupied by two individuals who bought it in August 2021.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1540 BERNARD PHELAN AVE, TRACY, CA 95377-7221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on File |
| Deed Sale | Aug 27, 2021 · Amount on File |
| Deed Document Number | 2021143569 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Aug 27, 2021 |
| Property Address | 1540 BERNARD PHELAN AVE, TRACY, CA 95377-7221 |
| Document Number | 0000143569 |
| Map Reference | MB 43 PG 122 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 2021-143569 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1540 BERNARD PHELAN AVE, TRACY, CA 95377-7221 |
| Document Number | 0000143570 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2021-143570 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2026 property tax bill for 1540 Bernard Phelan Ave was $9,779, up 0.7% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,779.00 (+0.66%) | ||
| 2025 | $9,715.00 | $643,345 Land $159,181 Building $484,164 | |
| 2023 | $9,037.00 (+218.65%) | $47,858 Land $47,858 | $638,640 |
| 2022 | $2,836.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1540 Bernard Phelan 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 risk around 1540 Bernard Phelan Ave is low, with 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 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 741 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Matrix Broadband Fixed Wireless | 400 / 80 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures