1861 Kern St, Tracy, CA 95376 Property Records

San Joaquin County property record for 1861 Kern St, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,813 sqft · built 1992
Lot Size	0.171 acres (7,449 sqft)
Owner	Individual Name on Record
Tax Bill	$5,128 (2026)
Deeds & Mortgages	Jan 2022 Transfer Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242-160-400-000`

Property Details

APN / Parcel Number

Primary APN	`242-160-400-000`
Alternative APN	`242-160-40`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,813 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,449 sqft (0.171 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	242-160-40
Street Address	1861 KERN ST
City	TRACY
State	CA
Zip	95376-9089
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90-FM PT OF 161-210-06
Legal Subdivision	MUIRFIELD
Legal Tract	2227
Legal Block	3
Legal Lot Number	40
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3007
Census Tract	5208

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	1861 KERN ST, TRACY, CA 95376-9089
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY
Jan 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage SAFEAMERICA CU
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage SNAPFI INC
Apr 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage SNAPFI INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 12, 2022
Transfer Doc	0000009353
Record Updated	Oct 29, 2026

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 24, 2022
Property Address	1861 KERN ST, TRACY, CA 95376-9089
Document Number	0000009353
Map Reference	MB 30 PG 32
Instrument Date	Jan 13, 2022
Instrument	2022-009353
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	CHICAGO TITLE COMPANY

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	1861 KERN ST, TRACY, CA 95376-9089

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 24, 2022
Property Address	1861 KERN ST, TRACY, CA 95376-9089
Document Number	0000009354
Map Reference	MB 30 PG 32
Instrument Date	Jan 12, 2022
Instrument	2022-009354
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	CHICAGO TITLE COMPANY

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	1861 KERN ST, TRACY, CA 95376-9089

Mortgage

Document Number	0000009355
Date	Jan 24, 2022
Instrument	2022-009355

Lender

Name	SAFEAMERICA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1861 KERN ST, TRACY, CA 95376-9089
Document Number	0000065214
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1861 KERN ST TRACY CA 953769089, TRACY, CA 95376-9089

Mortgage

Document Number	0000065214
Date	Jun 3, 2020
Instrument	65214

Lender

Name	SNAPFI INC
Address	SAN JOSE, CA 95125

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1861 KERN ST, TRACY, CA 95376-9089
Document Number	0000035234
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1861 KERN ST TRACY CA 953769089, TRACY, CA 95376-9089

Mortgage

Document Number	0000035234
Date	Apr 10, 2019
Instrument	35234

Lender

Name	SNAPFI INC
Address	SAN JOSE, CA 95125

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2049

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
Unified School District	Tracy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,128.00 (+0.06%)
2025	$5,125.00 (+10.17%) Homeowner's exemption	$435,719 (+4.04%) Land $138,652 Building $297,067
2023	$4,652.00 (+2.13%) Homeowner's exemption	$418,802 Land $133,269 Building $285,533	$738,090
2022	$4,555.00

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	Not rated no burnable land 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 821 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Matrix Broadband Fixed Wireless	600 / 120
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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