2171 Bridle Creek Cir, Tracy, CA 95377 Property Records

San Joaquin County property record for 2171 Bridle Creek Cir, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,124 sqft · built 1998
Lot Size	0.139 acres (6,069 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (Mar 2010)
Tax Bill	$3,173 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Feb 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`238-260-050-000`

Property Details

APN / Parcel Number

Primary APN	`238-260-050-000`
Alternative APN	`238-260-05`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,124 sqft Living Area
1st Floor Area	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,069 sqft (0.139 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	238-260-05
Street Address	2171 BRIDLE CREEK CIR
City	TRACY
State	CA
Zip	95377-0214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2774 LOT 112
Legal Subdivision	BRIDLE CREEK
Legal Tract	2774
Legal Block	1
Legal Lot Number	112
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1015
Census Tract	5224

Owner

2171 Bridle Creek Cir is owned and occupied by two individuals who acquired it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 19, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU
Feb 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 16, 2020	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CENTRAL CU
May 1, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2010 · Amount on File
Deed Sale	Mar 4, 2010 · Amount on File
Prior Sale	Dec 10, 2009 · Amount on File
Deed Document Number	201030412
Last Transfer Date	Apr 29, 2019
Transfer Doc	0000043940
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214

Mortgage

Document Number	0000139140
Date	Aug 19, 2021
Instrument	2021-139140

Lender

Name	COMMONWEALTH CENTRAL CU
Type	Credit Union
Address	SAN JOSE, CA 95164

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214

Mortgage

Document Number	0000018894
Date	Feb 25, 2019
Instrument	2019-018894

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000148718
Date	Dec 19, 2019
Instrument	2019-148718

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214

Mortgage

Document Number	0000105021
Date	Aug 21, 2020
Instrument	2020-105021

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214

Mortgage

Document Number	0000156940
Date	Nov 16, 2020
Instrument	2020-156940

Lender

Name	COMMONWEALTH CENTRAL CU
Type	Credit Union
Address	SAN JOSE, CA 95164

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 1, 2019
Property Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214
Document Number	0000043940
Map Reference	MB 33 PG 33
Instrument Date	Apr 29, 2019
Instrument	2019-043940
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	2171 BRIDLE CREEK CIR, TRACY, CA 95377-0214

Mortgage

Document Number	0000043941
Date	May 1, 2019
Instrument	2019-043941

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2171 Bridle Creek Cir was $3,173 with a homeowner's exemption, up 0.1% 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
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	$3,173.00 (+0.09%)
2025	$3,170.00 Homeowner's exemption	$267,184 Land $65,826 Building $201,358
2023	$2,879.00 (+2.2%) Homeowner's exemption	$256,811 Land $63,271 Building $193,540	$493,920
2022	$2,817.00

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

Flood

FEMA maps place 2171 Bridle Creek Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2171 Bridle Creek Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 640 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 · Fiber in parts of the area	100 / 20

May also be available: DigitalPath, Matrix Broadband.

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