San Joaquin County property record for 2489 Gaines Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,789 sqft · built 2002 |
| Lot Size | 0.116 acres (5,051 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,145 (Sep 2002) |
| Tax Bill | $5,484 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Mar 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-440-560-000 |
| Primary APN | 238-440-560-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,789 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 5,051 sqft (0.116 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 238-440-56 |
|---|---|
| Street Address | 2489 GAINES LN |
| City | TRACY |
| State | CA |
| Zip | 95377-7915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 |
| Legal Subdivision | LYON CROSSROADS |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5211 |
2489 Gaines Ln is owned and occupied by two individuals who acquired it in December 2017.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2489 GAINES LN, TRACY, CA 95377-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 1, 2019 | Deed of Trust, Mortgage · Line of Credit PATELCO CU |
| Dec 19, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage BREEZE FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2002 · Amount on File |
| Deed Sale | Sep 12, 2002 · Amount on File |
| Deed Document Number | 2002157314 |
| Last Transfer Date | Dec 13, 2017 |
| Transfer Doc | 0000148103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2489 GAINES LN, TRACY, CA 95377-7915 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 2489 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000151014 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 2020-151014 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2489 GAINES LN, TRACY, CA 95377-7915 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PLACER TITLE COMPANY AUBURN |
| Name | Verified Name |
|---|---|
| Address | 2489 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000021382 |
|---|---|
| Date | Mar 1, 2019 |
| Instrument | 2019-021382 |
| Name | PATELCO CU |
|---|---|
| Type | Credit Union |
| Address | PLEASANTON, CA 94588 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 30, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 19, 2017 |
| Property Address | 2489 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000148103 |
| Map Reference | MAP36 PG5 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 2017-148103 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | FIRST AMERICAN TITLE SAN DIE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2489 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000148105 |
|---|---|
| Date | Dec 19, 2017 |
| Instrument | 2017-148105 |
| Name | BREEZE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2033 |
The 2026 property tax bill for 2489 Gaines Ln was $5,484, down 10.9% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,484.00 (-10.92%) | ||
| 2025 | $6,156.00 | $412,950 Land $123,099 Building $289,851 | |
| 2023 | $5,643.00 (-2.69%) | $396,917 Land $118,320 Building $278,597 | $607,410 |
| 2022 | $5,799.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2489 Gaines Ln in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 2489 Gaines Ln is low, with 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 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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