2072 Penny Ln, Tracy, CA 95377 Property Records

San Joaquin County property record for 2072 Penny Ln, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,834 sqft · built 1998
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Jul 2009)
Tax Bill	$3,331 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`238-180-380-000`

Property Details

APN / Parcel Number

Primary APN	`238-180-380-000`
Alternative APN	`238-180-38`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,834 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Lot Area	3,600 sqft (0.083 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	238-180-38
Street Address	2072 PENNY LN
City	TRACY
State	CA
Zip	95377-7902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38
Legal Subdivision	BELCONTE NORTH
Legal Block	2
Legal Lot Number	38
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2001
Census Tract	5211

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	2 Individual Names on Record
Mailing Address	2072 PENNY LN, TRACY, CA 95377-7902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 27, 2018	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Apr 6, 2017	Trustee's Deed, Construction Loan · Construction Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2009 · Amount on Record
Deed Sale	Jul 29, 2009 · Amount on Record
Prior Sale	Jun 17, 2003 · Amount on Record
Deed Document Number	2009112597
Prior Transfer Date	Sep 13, 2004
Prior Transfer Doc	0000223526
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 20, 2026
Property Address	2072 PENNY LN, TRACY, CA 95377-7902
Document Number	0000065428
Instrument Date	Jul 15, 2026
Instrument	202665428
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2072 PENNY LN, TRACY, CA 95377-7902

Mortgage

Document Number	0000065428,
Date	Jul 20, 2026
Instrument	202665428

Lender

Name	FREMONT BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2072 PENNY LN, TRACY, CA 95377-7902
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2072 PENNY LN, TRACY, CA 95377-7902

Mortgage

Document Number	0000146828
Date	Sep 1, 2021
Instrument	2021-146828

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2072 PENNY LN, TRACY, CA 95377-7902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097154
Date	Aug 7, 2020
Instrument	2020-097154

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2072 PENNY LN, TRACY, CA 95377-7902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000145104
Date	Dec 27, 2018
Instrument	2018-145104

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year LIBOR
Max Rate	10%

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 6, 2017
Property Address	2072 PENNY LN, TRACY, CA 95377-7902
Instrument Date	Mar 31, 2017
Instrument	38694
Transaction Type	Construction Loan
Record Updated	Apr 25, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2072 PENNY LN TRACY CA 953777902, TRACY, CA 95377-7902

Mortgage

Document Number	0000038694
Date	Apr 6, 2017
Instrument	38694

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.37%

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	$3,331.00 (+0.12%)
2025	$3,327.00 (+10.09%) Homeowner's exemption	$277,510 (+4.04%) Land $83,897 Building $193,613
2023	$3,022.00 (+2.16%) Homeowner's exemption	$266,736 Land $80,640 Building $186,096	$649,800
2022	$2,958.00

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 618 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Matrix Broadband.

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