2481 Garrett Ct, Tracy, CA 95377 Property Records

San Joaquin County property record for 2481 Garrett Ct, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,285 sqft · built 1999
Lot Size	0.163 acres (7,078 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Oct 2017)
Tax Bill	$6,720 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Oct 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`240-190-430-000`

Property Details

APN / Parcel Number

Primary APN	`240-190-430-000`
Alternative APN	`240-190-43`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,285 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Lot Area	7,078 sqft (0.163 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	240-190-43
Street Address	2481 GARRETT CT
City	TRACY
State	CA
Zip	95377-8660
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 56
Legal Subdivision	ALDEN MEADOWS
Legal Block	3
Legal Lot Number	56
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3005
Census Tract	5212

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 Record	2 Individual Names on Record
Mailing Address	2481 GARRETT CT, TRACY, CA 95377-8660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 13, 2017	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Oct 13, 2017	Affidavit of Death, Transfer NORTH AMERICAN TITLE CONCORD
Oct 4, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2017 · Amount on Record
Deed Sale	Oct 13, 2017 · Amount on Record
Prior Sale	Nov 18, 1999 · Amount on Record
Deed Document Number	2017118786
Prior Transfer Date	Sep 26, 2017
Prior Transfer Doc	0000118785
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2481 GARRETT CT, TRACY, CA 95377-8660
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2481 GARRETT CT, TRACY, CA 95377-8660

Mortgage

Document Number	0000003697
Date	Jan 16, 2024
Instrument	2024-003697

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 13, 2017
Property Address	2481 GARRETT CT, TRACY, CA 95377-8660
Document Number	0000118786
Map Reference	MAP34 PG35
Instrument Date	Oct 10, 2017
Instrument	2017-118786
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	2481 GARRETT CT, TRACY, CA 95377-8660

Mortgage

Document Number	0000118787
Date	Oct 13, 2017
Instrument	2017-118787

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

October 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 13, 2017
Property Address	2481 GARRETT CT, TRACY, CA 95377-8660
Document Number	0000118785
Instrument Date	Sep 26, 2017
Instrument	118785
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	NORTH AMERICAN TITLE CONCORD

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 KILEY PKWY #403 SPARKS NV 894364080, 403, SPARKS, NV 89436-4080

October 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 4, 2017
Property Address	2481 GARRETT CT, TRACY, CA 95377-8660
Document Number	0000115258
Instrument Date	Aug 31, 2017
Instrument	115258
Transaction Type	Transfer
Record Updated	Nov 6, 2017

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2481 GARRETT CT TRACY CA 953778660, TRACY, CA 95377-8660

Tax Assessment & Valuation

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	$6,720.00 (+0.04%)
2025	$6,717.00 (+10.15%) Homeowner's exemption	$568,852 (+4.04%) Land $199,118 Building $369,734
2023	$6,098.00 (+2.13%) Homeowner's exemption	$546,765 Land $191,387 Building $355,378	$653,220
2022	$5,971.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 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.

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 758 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Matrix Broadband Fixed Wireless	400 / 80
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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