2490 Garrett Ct, Tracy, CA 95377 Property Records

San Joaquin County property record for 2490 Garrett Ct, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,063 sqft · built 1999
Lot Size	0.296 acres (12,912 sqft)
Owner	2 Company Names on Record
Last Sale	$832,500 (Feb 2026)
Tax Bill	$5,722 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`240-190-440-000`

Property Details

APN / Parcel Number

Primary APN	`240-190-440-000`
Alternative APN	`240-190-44`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,063 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Lot Area	12,912 sqft (0.296 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	240-190-44
Street Address	2490 GARRETT CT
City	TRACY
State	CA
Zip	95377-8660
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 57
Legal Subdivision	ALDEN MEADOWS
Legal Block	3
Legal Lot Number	57
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 Company Names on Record
Mailing Address	2490 GARRETT CT, TRACY, CA 95377-8660
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 28, 2024	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 12, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Nov 19, 1999 · Amount on Record
Deed Document Number	202611897
Prior Transfer Date	Oct 22, 2025
Prior Transfer Doc	0000091887
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2490 GARRETT CT, TRACY, CA 95377-8660
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2490 GARRETT CT, TRACY, CA 95377-8660

Mortgage

Document Number	0000055051
Date	Mar 29, 2021
Instrument	2021-055051

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2490 GARRETT CT, TRACY, CA 95377-8660
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2490 GARRETT CT, TRACY, CA 95377-8660

Mortgage

Document Number	0000072479
Date	Aug 28, 2024
Instrument	2024-072479

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 12, 2026
Property Address	2490 GARRETT CT, TRACY, CA 95377-8660
Document Number	0000011897
Map Reference	MB 34 PG 35
Instrument Date	Feb 5, 2026
Instrument	2026-011897
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

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	Family Trust
Address	2490 GARRETT CT, TRACY, CA 95377-8660

Mortgage

Document Number	0000011898
Date	Feb 12, 2026
Instrument	2026-011898

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2490 GARRETT CT, TRACY, CA 95377-8660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO STOCKTON

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125471
Date	Oct 31, 2019
Instrument	2019-125471

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 20, 2018
Property Address	2490 GARRETT CT, TRACY, CA 95377-8660
Document Number	0000019150
Instrument Date	Feb 15, 2018
Instrument	19150
Transaction Type	Transfer
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2490 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	$5,722.00 (+1.45%)
2025	$5,640.00 (+10.11%) Homeowner's exemption	$474,826 (+4.04%) Land $122,950 Building $351,876
2023	$5,122.00 (+2.13%) Homeowner's exemption	$456,390 Land $118,177 Building $338,213	$747,630
2022	$5,015.00

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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