22797 Cozy Ct, Tracy, CA 95304 Property Records

San Joaquin County property record for 22797 Cozy Ct, Tracy, CA 95304 · Last verified October 2025

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,333 sqft · built 1981
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$1,005,000 (Oct 2024)
Tax Bill	$10,538 (2025)
Deeds & Mortgages	May 2017 Line of Credit Sep 2019 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`250-080-160-000`

Property Details

APN / Parcel Number

Primary APN	`250-080-160-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,333 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Architectural Style	Other
Construction Type	Wood
Lot Area	50,094 sqft (1.15 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	22797 COZY CT
City	TRACY
State	CA
Zip	95304-9553
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	REDRAW 881026 FR ORIG APN 237380316
Legal Subdivision	BANTA
Legal Lot Number	C
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1173
Census Tract	5214

Owner

Source: San Joaquin County records · APN 250-080-160-000

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	22797 COZY CT, TRACY, CA 95304-9553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 11, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 08, 2022	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Aug 27, 2020	Loan Modification, Mortgage · Line of Credit US BK
Jun 09, 2020	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Oct 29, 2024 · Amount on Record
Deed Sale	Oct 29, 2024 · Amount on Record
Prior Sale	Feb 08, 2022 · Amount on Record
Deed Document Number	2024-092326
Record Updated	Jun 07, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	22797 COZY CT, TRACY, CA 95304-9553
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056265
Date	May 18, 2017
Instrument	2017-056265

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	22797 COZY CT, TRACY, CA 95304-9553
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099687
Date	Sep 11, 2019
Instrument	2019-099687

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 14, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	22797 COZY CT, TRACY, CA 95304-9553
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22797 COZY CT, TRACY, CA 95304-9553

Mortgage

Document Number	0000141543
Date	Oct 21, 2020
Instrument	2020-141543

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	22797 COZY CT, TRACY, CA 95304-9553
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22797 COZY CT, TRACY, CA 95304-9553

Mortgage

Document Number	0000208238
Date	Dec 14, 2021
Instrument	2021-208238

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 08, 2022
Property Address	22797 COZY CT, TRACY, CA 95304-9553
Document Number	0000017351
Map Reference	VOL 9 PG 137
Instrument Date	Feb 04, 2022
Instrument	2022-017351
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	22797 COZY CT, TRACY, CA 95304-9553

Mortgage

Document Number	0000017352
Date	Feb 08, 2022
Instrument	2022-017352

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN JOAQUIN CA
Property Address	22797 COZY CT, TRACY, CA 95304-9553
Document Number	0000141542
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Nov 05, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22797 COZY CT TRACY CA 953049553, TRACY, CA 95304-9553

Mortgage

Document Number	0000141542
Date	Oct 21, 2020
Instrument	141542

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 09, 2020
Property Address	22797 COZY CT, TRACY, CA 95304-9553
Document Number	0000067644
Instrument Date	Jun 02, 2020
Instrument	67644
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3182 BUTLER CT VALLEY SPRINGS CA 952529440, VALLEY SPRINGS, CA 95252-9440

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$10,538.00 (+15.43%)	$1,005,000 (+14.57%) Land $560,000 Building $445,000
2023	$9,129.00 (+85.1%)	$877,200 Land $510,000 Building $367,200
2022	$4,932.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060770052141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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 107 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	107 in force

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 78 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Zinnia Networks	Fixed Wireless (unlicensed)	400 / 80
UnWired Broadband Holding	Fixed Wireless (unlicensed)	400 / 50
Cal.net	Fixed Wireless (licensed-by-rule)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Ayera Technologies, UnWired Broadband Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Cozy Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures