1640 Whispering Wind Dr, Tracy, CA 95377 Property Records

San Joaquin County property record for 1640 Whispering Wind Dr, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,352 sqft · built 2003
Lot Size	0.15 acres (6,522 sqft)
Owner	Individual Name on Record
Last Sale	$462,500 (Oct 2003)
Tax Bill	$7,691 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`244-310-020-000`

Property Details

APN / Parcel Number

Primary APN	`244-310-020-000`
Alternative APN	`244-310-02`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,352 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	6,522 sqft (0.15 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	244-310-02
Street Address	1640 WHISPERING WIND DR
City	TRACY
State	CA
Zip	95377-8293
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2
Legal Subdivision	EDGEWOOD
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1003
Census Tract	5218

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	1640 WHISPERING WIND DR, TRACY, CA 95377-8293
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 28, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2003 · Amount on Record
Deed Sale	Oct 8, 2003 · Amount on Record
Deed Document Number	2003232518
Last Transfer Date	Jun 22, 2018
Transfer Doc	0000071942
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293

Mortgage

Document Number	0000016747
Date	Feb 29, 2024
Instrument	2024-016747

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293

Mortgage

Document Number	0000084460
Date	Oct 17, 2023
Instrument	2023-084460

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2043

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293

Mortgage

Document Number	0000044716
Date	Apr 6, 2022
Instrument	2022-044716

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076744
Date	Jun 29, 2020
Instrument	2020-076744

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2040

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 28, 2018
Property Address	1640 WHISPERING WIND DR, TRACY, CA 95377-8293
Document Number	0000071942
Map Reference	MB 35 PG 95
Instrument Date	Jun 22, 2018
Instrument	2018-071942
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

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	1640 WHISPERING WIND DR, TRACY, CA 95377-8293

Mortgage

Document Number	0000071943
Date	Jun 28, 2018
Instrument	2018-071943

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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
Secondary School District	Tracy Unified School District (9-12) (09 - 12)
Elementary School District	Jefferson Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,691.00 (-6.23%)
2025	$8,202.00 (+5.1%) Homeowner's exemption	$657,422 (+4.04%) Land $196,197 Building $461,225
2023	$7,804.00 (-1.35%) Homeowner's exemption	$631,895 Land $188,579 Building $443,316	$801,630
2022	$7,911.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 755 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
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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