15564 Rancho Ramon Dr, Tracy, CA 95304 Property Records

San Joaquin County property record for 15564 Rancho Ramon Dr, Tracy, CA 95304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,853 sqft · built 1981
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$755,000 (Dec 2019)
Tax Bill	$8,933 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`209-340-070-000`

Property Details

APN / Parcel Number

Primary APN	`209-340-070-000`
Alternative APN	`209-340-07`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,853 sqft Living Area
1st Floor Area	1,853 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	44,867 sqft (1.03 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	209-340-07
Street Address	15564 RANCHO RAMON DR
City	TRACY
State	CA
Zip	95304-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	80/FORM PT OF 209-210-18
Legal Subdivision	SANTOS RANCH EAST
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2023
Census Tract	5225

Owner

15564 Rancho Ramon Dr is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	15564 RANCHO RAMON DR, TRACY, CA 95304-9754
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 3, 2019	Grant Deed, Transfer QUICKEN LNS
Jul 5, 2017	Intrafamily Transfer, Transfer · ARM SANDIA LABORATORY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2019 · Amount on File
Deed Sale	Dec 3, 2019 · Amount on File
Prior Sale	Jul 25, 2014 · Amount on File
Deed Document Number	2019140253
Prior Transfer Date	Jun 28, 2017
Prior Transfer Doc	0000075787
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	15564 RANCHO RAMON DR, TRACY, CA 95304-9754
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2257 PUTTER CT, BRENTWOOD, CA 94513-5000

Mortgage

Document Number	0000170128
Date	Oct 11, 2021
Instrument	2021-170128

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 3, 2019
Property Address	15564 RANCHO RAMON DR, TRACY, CA 95304-9754
Document Number	0000140253
Instrument Date	Nov 15, 2019
Instrument	140253
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$830.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15564 RANCHO RAMON DR TRACY CA 953049754, TRACY, CA 95304-9754

Mortgage

Document Number	140254
Date	Dec 3, 2019
Instrument	140254

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2049

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 5, 2017
Property Address	15564 RANCHO RAMON DR, TRACY, CA 95304-9754
Document Number	0000075787
Map Reference	VOL25 PG1
Instrument Date	Jun 28, 2017
Instrument	2017-075787
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15564 RANCHO RAMON DR, TRACY, CA 95304-9754

Mortgage

Document Number	0000075788
Date	Jul 5, 2017
Instrument	2017-075788

Lender

Name	SANDIA LABORATORY FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Index	10-Year TN
Max Rate	8.25%

Mortgage

Document Number	0000075789
Date	Jul 5, 2017
Instrument	2017-075789

Lender

Name	SANDIA LABORATORY FCU
Type	Credit Union
Address	ALBUQUERQUE, NM 87111

Agreement

Type	ARM
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	9.5%

Tax Assessment & Valuation

The 2026 property tax bill for 15564 Rancho Ramon Dr was $8,933 with a homeowner's exemption, up 1.3% from the year before.

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Unified School District	Lammersville Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,933.00 (+1.33%)
2025	$8,816.00 Homeowner's exemption	$825,699 Land $300,751 Building $524,948
2023	$8,438.00 (+1.66%) Homeowner's exemption	$793,637 Land $289,073 Building $504,564	$932,400
2022	$8,300.00

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

Flood

FEMA maps place 15564 Rancho Ramon Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2023.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	2 (2023–2025)
Most Recent Claim	Aug 2025 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 15564 Rancho Ramon Dr is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Matrix Broadband Fixed Wireless	200 / 40
Cal.net Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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