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21 Charles St, Tracy, CA 95376 Property Records

San Joaquin County property record for 21 Charles St, Tracy, CA 95376

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,210 sqft · built 1991
Lot Size0.107 acres (4,665 sqft)
OwnerIndividual Name on Record
Last Sale$405,000 (Feb 2018)
Tax Bill$5,532 (2026)
Deeds & MortgagesAug 2026 Line of Credit
Jul 2021 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN246-270-110-000

Property Details

APN / Parcel Number

Primary APN246-270-110-000
Alternative APN
  • 246-270-11

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,210 sqft Living Area
1st Floor Area1,210 sqft

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleCustom Design
Construction TypeWood
Lot Area4,665 sqft (0.107 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Old Parcel Number246-270-11
Street Address21 CHARLES ST
CityTRACY
StateCA
Zip95376-1329
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTRACT 2286 LOT 11
Legal SubdivisionVICTORIA PARK
Legal Tract2286
Legal Block2
Legal Lot Number11
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionTRACY
Census Block Group2
Census Block2000
Census Tract5208

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 RecordIndividual Name on Record
Mailing Address21 CHARLES ST, TRACY, CA 95376-1329
OccupancyOwner Occupied
Owner TypeIndividual
VestingSole Owner

Deeds, Mortgages & Sale History

DateDocument
Aug 26, 2026Deed of Trust, Mortgage · Line of Credit
LOANDEPOT.COM LLC
Jul 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Jan 31, 2020Deed of Trust, Mortgage · FHA Mortgage
ROYAL PACIFIC FUNDING CORP
Feb 1, 2018Quit Claim Deed, Transfer
OLD REPUBLIC TITLE
Feb 1, 2018Grant Deed, Transfer
OLD REPUBLIC TITLE COMPANY S

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 1, 2018 · Amount on Record
Deed SaleFeb 1, 2018 · Amount on Record
Prior SaleNov 23, 2016 · Amount on Record
Deed Document Number201811251
Prior Transfer DateJan 26, 2018
Prior Transfer Doc0000011252
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Recording DateAug 26, 2026
Property Address21 CHARLES ST, TRACY, CA 95376-1329
Document Number0000077761
Instrument DateAug 13, 2026
Instrument202677761
Transaction TypeMortgage
Record UpdatedSep 11, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 CHARLES ST, TRACY, CA 95376-1329

Mortgage

Document Number0000077761,
DateAug 26, 2026
Instrument202677761
Lender
NameLOANDEPOT.COM LLC
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Max Rate-1%

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address21 CHARLES ST, TRACY, CA 95376-1329
Transaction TypeMortgage
Record UpdatedJul 28, 2021
Title CompanyAMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 CHARLES ST, TRACY, CA 95376-1329

Mortgage

Document Number0000119085
DateJul 15, 2021
Instrument2021-119085
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address21 CHARLES ST, TRACY, CA 95376-1329
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyOLD REPUBLIC TITLE CO SAN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000013939
DateJan 31, 2020
Instrument2020-013939
Lender
NameROYAL PACIFIC FUNDING CORP
TypeFunding / Finance Company
AddressCOSTA MESA, CA 92626
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2050

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN JOAQUIN CA
Recording DateFeb 1, 2018
Property Address21 CHARLES ST, TRACY, CA 95376-1329
Document Number0000011252
Instrument DateJan 26, 2018
Instrument11252
Transaction TypeTransfer
Record UpdatedFeb 15, 2018
Title CompanyOLD REPUBLIC TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address21 CHARLES ST TRACY CA 953761329, TRACY, CA 95376-1329

February 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateFeb 1, 2018
Property Address21 CHARLES ST, TRACY, CA 95376-1329
Document Number0000011251
Map ReferenceMB 30 PG 33
Instrument DateJan 22, 2018
Instrument2018-011251
Transaction TypeTransfer
Record UpdatedAug 3, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY S

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address21 CHARLES ST, TRACY, CA 95376-1329

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

TypeName
StateCalifornia
CountySan Joaquin County
MunicipalityTracy City
Unified School DistrictTracy Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,532.00 (+0.04%)
2025$5,530.00 (+10.07%)$460,815 (+4.04%) Land $136,537 Building $324,278
2023$5,024.00 (+2.11%)$442,923 Land $131,236 Building $311,687$546,390
2022$4,920.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCITY OF TRACY
serves 98,215 people · EPA ID CA3910011
Water SourceSurface water
Last State InspectionNov 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 492 locations within half a mile, as of December 31, 2025

ProviderMax 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
DSL · Fiber in parts of the area		100 / 20

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