1649 Whispering Wind Dr, Tracy, CA 95377 Property Records

San Joaquin County property record for 1649 Whispering Wind Dr, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,815 sqft · built 2004
Lot Size	0.123 acres (5,370 sqft)
Owner	Individual Name on File
Last Sale	$783,000 (May 2023)
Tax Bill	$9,864 (2025)
Deeds & Mortgages	Jun 2023 Transfer May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`244-360-160-000`

Property Details

APN / Parcel Number

Primary APN	`244-360-160-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,815 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Architectural Style	Other
Construction Type	Wood
Lot Area	5,370 sqft (0.123 acres)
Garage Type	Mixed
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1649 WHISPERING WIND DR
City	TRACY
State	CA
Zip	95377-8293
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	04-FM PT OF 244-020-26 PER EDGEWOOD UNIT NO. 43
Legal Subdivision	EDGEWOOD UNIT #43
Legal Lot Number	16
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2001
Census Tract	5218

Owner

Source: San Joaquin County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1649 WHISPERING WIND DR, TRACY, CA 95377-8293
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Correction Deed OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
May 24, 2023	Grant Deed, Transfer · Conventional Mortgage PROVIDENT CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Sep 10, 2012 · Amount on Record
Deed Document Number	2023-040689
Record Updated	Jun 7, 2026

June 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 7, 2023
Property Address	1649 WHISPERING WIND DR, TRACY, CA 95377-8293
Document Number	0000044179
Map Reference	MB 38 PG 101
Instrument Date	May 16, 2023
Instrument	2023-044179
Record Updated	Jun 19, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1649 WHISPERING WIND DR, TRACY, CA 95377-8293

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 24, 2023
Property Address	1649 WHISPERING WIND DR, TRACY, CA 95377-8293
Document Number	0000040689
Map Reference	MB 38 PG 101
Instrument Date	May 16, 2023
Instrument	2023-040689
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Tenants
Address	1649 WHISPERING WIND DR, TRACY, CA 95377-8293

Mortgage

Document Number	0000040690
Date	May 24, 2023
Instrument	2023-040690

Lender

Name	PROVIDENT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2033
Change Frequency	3 Years
Min Rate At Change	2.5%
Max Rate At Change	8.5%
Index	Other
Max Rate	11.5%

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$9,864.00 (+91.5%) Homeowner's exemption	$814,633 (+115.09%) Land $208,080 Building $606,553
2023	$5,151.00 (-2.9%) Homeowner's exemption	$378,744 Land $94,685 Building $284,059
2022	$5,305.00

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.

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

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
Zinnia Networks Fixed Wireless	400 / 80
UnWired Broadband Holding 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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