San Joaquin County property record for 187 S Central Ave, Tracy, CA 95376
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,130 sqft · built 1979 |
| Lot Size | 0.209 acres (9,110 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,049 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 235-200-200-000 |
| Primary APN | 235-200-200-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,130 sqft Living Area |
| 1st Floor Area | 1,130 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 9,110 sqft (0.209 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 235-200-20 |
|---|---|
| Street Address | 187 S CENTRAL AVE |
| City | TRACY |
| State | CA |
| Zip | 95376-4634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 1246 MT DIABLO E MAP 23 PG 34 LOT 20 |
| Legal Subdivision | MT DIABLO ESTATES |
| Legal Tract | 1246 |
| Legal Block | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 5406 |
187 S Central Ave is owned and occupied by an individual who acquired it in September 2004.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 187 S CENTRAL AVE, TRACY, CA 95376-4634 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 22, 2004 |
| Transfer Doc | 0000223155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 187 S CENTRAL AVE, TRACY, CA 95376-4634 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2021 |
| Title Company | TITLE CONNECTION, TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 187 S CENTRAL AVE, TRACY, CA 95376-4634 |
| Document Number | 0000020862 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 2021-020862 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
The 2026 property tax bill for 187 S Central Ave was $3,049 with a homeowner's exemption.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,049.00 | ||
| 2025 | $3,049.00 Homeowner's exemption | $270,725 Land $97,492 Building $173,233 | |
| 2023 | $2,763.00 (+2.14%) Homeowner's exemption | $260,214 Land $93,707 Building $166,507 | $262,440 |
| 2022 | $2,705.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 187 S Central Ave in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
The area around 187 S Central Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 648 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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