21520 el Rancho Rd, Tracy, CA 95304 Property Records

San Joaquin County property record for 21520 el Rancho Rd, Tracy, CA 95304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,234 sqft · built 1961
Lot Size	2 acres (87,120 sqft)
Owner	2 Trust Names on File
Last Sale	$354,000 (May 2015)
Tax Bill	$5,061 (2026)
Deeds & Mortgages	Mar 2024 Transfer Jan 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`213-180-140-000`

Property Details

APN / Parcel Number

Primary APN	`213-180-140-000`
Alternative APN	`213-180-14`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,234 sqft Living Area
1st Floor Area	1,234 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	87,120 sqft (2 acres)
Garage Type	Carport
Garage Area	1,056 sqft
Carport	Carport
Carport Area	1,056 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	213-180-14
Street Address	21520 EL RANCHO RD
City	TRACY
State	CA
Zip	95304-8403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG40
Legal Description	PESCADERO COLONY 01 MAP 10 PG 44 PART OF LOT 106
Legal Subdivision	PESCADERO COLONY 01
Legal Block	1
Legal Lot Number	106
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1178
Census Tract	5214

Owner

21520 el Rancho Rd is held in a trust since May 2015.

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

Owner of Record	2 Trust Names on File
Mailing Address	5532 ABINGTON DR, NEWARK, CA 94560-1302
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Intrafamily Transfer, Transfer
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Mar 10, 2017	Grant Deed, Transfer · Conventional Mortgage LUTHER BURBANK SAVINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2015 · Amount on File
Deed Sale	May 12, 2015 · Amount on File
Prior Sale	Apr 29, 2010 · Amount on File
Deed Document Number	201554033
Prior Transfer Date	Nov 13, 2009
Prior Transfer Doc	0000172286
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 25, 2024
Property Address	21520 EL RANCHO RD, TRACY, CA 95304-8403
Document Number	0000024365
Map Reference	MB 10 PG 44
Instrument Date	Mar 19, 2024
Instrument	2024-024365
Transaction Type	Transfer
Record Updated	Apr 4, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21520 EL RANCHO RD, TRACY, CA 95304-8403

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	21520 EL RANCHO RD, TRACY, CA 95304-8403
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5532 ABINGTON DR, NEWARK, CA 94560-1302

Mortgage

Document Number	0000012084
Date	Jan 21, 2021
Instrument	2021-012084

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	346 Months
Due	Nov 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	21520 EL RANCHO RD, TRACY, CA 95304-8403
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122907
Date	Oct 28, 2019
Instrument	2019-122907

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	21520 EL RANCHO RD, TRACY, CA 95304-8403
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5532 ABINGTON DR, NEWARK, CA 94560-1302

Mortgage

Document Number	0000215584
Date	Dec 28, 2021
Instrument	2021-215584

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 10, 2017
Property Address	21520 EL RANCHO RD, TRACY, CA 95304-8403
Document Number	0000028333
Map Reference	MAP10 PG44
Instrument Date	Mar 7, 2017
Instrument	2017-028333
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5532 ABINGTON DR, NEWARK, CA 94560-1302

Mortgage

Document Number	0000028334
Date	Mar 10, 2017
Instrument	2017-028334

Lender

Name	LUTHER BURBANK SAVINGS
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 21520 el Rancho Rd was $5,061, up 1.5% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Unified School District	Banta Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,061.00 (+1.54%)
2025	$4,984.00	$441,845 Land $162,242 Building $279,603
2023	$4,756.00 (+1.84%)	$424,690 Land $155,943 Building $268,747	$651,060
2022	$4,670.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21520 el Rancho Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	24.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 107 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	107 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

Wildfire risk around 21520 el Rancho Rd is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Matrix Broadband Fixed Wireless	400 / 80
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies.

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