San Joaquin County property record for 2439 Gaines Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,498 sqft · built 2004 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $515,000 (Jul 2018) |
| Tax Bill | $8,011 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-570-050-000 |
| Primary APN | 238-570-050-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,498 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.114 acres) |
| Garage Type | Mixed |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2439 GAINES LN |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95377-7915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 04-FM PT OF 238-040-08 PER LYON CROSSROADS N0 8 |
| Legal Subdivision | LYON CROSSROADS |
| Legal Lot Number | 5 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5211 |
Source: San Joaquin County records, as of September 29, 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 Record |
|---|---|
| Mailing Address | 2439 GAINES LN, TRACY, CA 95377-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 9, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Jun 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 12, 2018 | Grant Deed, Transfer · Conventional with PMI BAY EQUITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2018 · Amount on Record |
| Deed Sale | Jul 12, 2018 · Amount on Record |
| Prior Sale | Aug 11, 2011 |
| Deed Document Number | 2018-077023 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2439 GAINES LN, TRACY, CA 95377-7915 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 2439 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000060112 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 2022-060112 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85281 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2439 GAINES LN, TRACY, CA 95377-7915 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Title Company | CHICAGO TITLE-FRESNO, CHICAGO TITLE FRESNO |
| Name | Verified Name |
|---|---|
| Address | 2439 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000096703 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 2021-096703 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jul 12, 2018 |
| Property Address | 2439 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000077023 |
| Instrument Date | Jul 9, 2018 |
| Instrument | 77023 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2018 |
| Title Company | NORTH AMERICAN TITLE CONCORD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $566.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 2439 GAINES LN TRACY CA 953777915, TRACY, CA 95377-7915 |
| Document Number | 77024 |
|---|---|
| Date | Jul 12, 2018 |
| Instrument | 77024 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 11, 2048 |
Source: San Joaquin County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,011.00 (+9.37%) | $574,488 (+4.04%) Land $133,860 Building $440,628 |
| 2023 | $7,325.00 (-1.64%) | $552,182 Land $128,663 Building $423,519 |
| 2022 | $7,447.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 620 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 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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