San Joaquin County property record for 190 S Central Ave, Tracy, CA 95376 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,351 sqft · built 1979 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $358,000 (Aug 2016) |
| Tax Bill | $4,707 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 235-200-210-000 |
| Primary APN | 235-200-210-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,351 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Ranch |
| Construction Type | Wood |
| Lot Area | 5,600 sqft (0.128 acres) |
| Garage Type | Mixed |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 190 S CENTRAL AVE |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95376-4633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 78/FORM 235-100-46 |
| Legal Subdivision | MT DIABLO ESTATES |
| Legal Tract | 1246 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 5405 |
Source: San Joaquin County records · APN 235-200-210-000
Assessment roll updated July 1, 2025 · Last verified October 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 | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage POINT DIGITAL FINANCE INC |
| Mar 25, 2019 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Jun 13, 2019 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2016 · Amount on Record |
| Deed Sale | Aug 31, 2016 · Amount on Record |
| Prior Sale | May 06, 2016 · Amount on Record |
| Deed Document Number | 2016-103590 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2026 |
| Name | Verified Name |
|---|---|
| Address | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Document Number | 0000116903 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 2025-116903 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 12, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Document Number | 0000029149 |
|---|---|
| Date | Mar 25, 2019 |
| Instrument | 2019-029149 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Apr 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year LIBOR |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Document Number | 0000062146 |
|---|---|
| Date | Jun 13, 2019 |
| Instrument | 2019-062146 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 12, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 190 S CENTRAL AVE, TRACY, CA 95376-4633 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | ORANGE COAST TTL OF NORTHERN |
| Name | Verified Name |
|---|
| Document Number | 0000095421 |
|---|---|
| Date | Aug 05, 2020 |
| Instrument | 2020-095421 |
| Name | ONE AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,707.00 (+10.34%) Homeowner's exemption | $415,253 (+4.04%) Land $145,071 Building $270,182 |
| 2023 | $4,266.00 (+2.11%) Homeowner's exemption | $399,131 Land $139,439 Building $259,692 |
| 2022 | $4,178.00 |
Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060770054052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1996–1998) |
| Most Recent Claim | Feb 1998, rainfall accumulation, Severe Winter Storms And Flooding |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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