1890 Spring Valley Way, Tracy, CA 95377 Property Records

San Joaquin County property record for 1890 Spring Valley Way, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,328 sqft · built 1989
Lot Size	0.135 acres (5,862 sqft)
Owner	Individual Name on Record
Last Sale	$735,000 (Apr 2026)
Tax Bill	$6,435 (2026)
Deeds & Mortgages	May 2021 Mortgage Feb 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`238-100-440-000`

Property Details

APN / Parcel Number

Primary APN	`238-100-440-000`
Alternative APN	`238-100-44`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	5,862 sqft (0.135 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	238-100-44
Street Address	1890 SPRING VALLEY WAY
City	TRACY
State	CA
Zip	95377-9287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2162 LOT 44
Legal Subdivision	FOOTHILL RANCH ESTATES
Legal Tract	2162
Legal Block	1
Legal Lot Number	44
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1023
Census Tract	5224

Owner

Source: San Joaquin County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1890 SPRING VALLEY WAY, TRACY, CA 95377-9287
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit UNCLE CU
Apr 9, 2026	Grant Deed, Transfer · Conventional Mortgage OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Prior Sale	Jan 29, 2016 · Amount on Record
Deed Document Number	202631497
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1890 SPRING VALLEY WAY, TRACY, CA 95377-9287
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1890 SPRING VALLEY WAY, TRACY, CA 95377-9287

Mortgage

Document Number	0000080211
Date	May 6, 2021
Instrument	2021-080211

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1890 SPRING VALLEY WAY, TRACY, CA 95377-9287
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1890 SPRING VALLEY WAY, TRACY, CA 95377-9287

Mortgage

Document Number	0000009975
Date	Feb 6, 2026
Instrument	2026-009975

Lender

Name	UNCLE CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 9, 2026
Property Address	1890 SPRING VALLEY WAY, TRACY, CA 95377-9287
Document Number	0000031497
Instrument Date	Apr 5, 2026
Instrument	202631497
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,658.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031498,
Date	Apr 9, 2026
Instrument	202631498

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

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	$6,435.00
2025	$6,435.00 (+10.15%)	$544,540 (+4.04%) Land $189,404 Building $355,136
2023	$5,842.00 (+2.08%)	$523,397 Land $182,050 Building $341,347	$717,840
2022	$5,723.00

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 · 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 6 (20% premium discount)
Nearby Flood Policies	2 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.

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 578 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Matrix Broadband.

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