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1640 Flora Way, Tracy, CA 95376 Property Records

San Joaquin County property record for 1640 Flora Way, Tracy, CA 95376

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,342 sqft · built 2021
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on File
Last Sale$905,000 (Jan 2025)
Tax Bill$8,655 (2025)
Deeds & MortgagesJul 2021 Mortgage
Jan 2021 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN242-490-330-000

Property Details

APN / Parcel Number

Primary APN242-490-330-000

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area2,342 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleL-Shape
Construction TypeWood
Lot Area6,534 sqft (0.15 acres)
Garage Area445 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1640 FLORA WAY
CityTRACY
StateCA
Zip95376-8218
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLOT 94 KAGEHIRO PHASE 2 TRACT 3882
Legal SubdivisionKAGEHIRO PHASE 2
Legal Tract3882
Legal Block2
Legal Lot Number94
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionTRACY
Census Block Group2
Census Block2000
Census Tract5216

Owner

Source: San Joaquin County records · APN 242-490-330-000

Assessment roll updated September 24, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2777 MORGAN DR, 34, SAN RAMON, CA 94583-2459
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jul 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENTAGON FCU
Jan 27, 2021Deed of Trust, Mortgage · Line of Credit
ALLIANT CU
Jan 28, 2021Grant Deed, Subdivision Related Transfer · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 13, 2025 · Amount on Record
Deed SaleJan 13, 2025 · Amount on Record
Prior SaleJan 28, 2021 · Amount on Record
Deed Document Number20252982
Record UpdatedSep 20, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address1640 FLORA WAY, TRACY, CA 95376-8218
Transaction TypeMortgage
Record UpdatedJan 07, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address1640 FLORA WAY, TRACY, CA 95376-8218

Mortgage

Document Number0000116559
DateJul 12, 2021
Instrument2021-116559
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address1640 FLORA WAY, TRACY, CA 95376-8218
Document Number0000016539
Instrument DateJan 27, 2021
Transaction TypeMortgage
Record UpdatedFeb 16, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address3695 STEVENSON BLVD #108 FREMONT CA 945382372, 108, FREMONT, CA 94538-2372

Mortgage

Document Number0000016539
DateJan 28, 2021
Instrument16539
Lender
NameALLIANT CU
TypeCredit Union
AddressCHICAGO, IL 60666
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 27, 2051
Interest
Rate TypeAdjustable Rate

January 2021: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateJan 28, 2021
Property Address1640 FLORA WAY, TRACY, CA 95376-8218
Document Number0000016537
Instrument DateJan 06, 2021
Instrument16537
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 15, 2021
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$727.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address1640 FLORA WAY TRACY CA 953768218, TRACY, CA 95376-8218

Mortgage

Document Number16538
DateJan 28, 2021
Instrument16538
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 27, 2051

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated September 24, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Joaquin County
MunicipalityTracy City
Unified School DistrictTracy Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$8,655.00 (+9.96%)$714,584 (+4.04%) Land $178,600 Building $535,984
2023$7,871.00 (+2.1%)$686,838 Land $171,666 Building $515,172$777,510
2022$7,709.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 96% of the US · lower than 97.4% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Zinnia Networks
Fixed Wireless		600 / 120
UnWired Broadband Holding
Fixed Wireless		400 / 50
Verizon
Fixed Wireless		300 / 20
Cal.net
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

Based on FCC filings for 642 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF TRACY
serves 98,215 people
Water SourceSurface water
Last State InspectionNov 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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