San Joaquin County property record for 2499 Gaines Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,051 sqft · built 2002 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $490,000 (Feb 2020) |
| Tax Bill | $7,487 (2025) |
| Deeds & Mortgages | Feb 2020 Sale & Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-440-550-000 |
| Primary APN | 238-440-550-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,051 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Architectural Style | Other |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.114 acres) |
| Garage Type | Mixed |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2499 GAINES LN |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95377-7915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 02 FM PT OF 238-440-30/PER LYON CROSSROADS UNIT 5 |
| Legal Subdivision | LYON CROSSROADS UNIT #5 |
| Legal Lot Number | 8 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5211 |
Source: San Joaquin County records · APN 238-440-550-000
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2499 GAINES LN, TRACY, CA 95377-7915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 06, 2020 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 08, 2017 | Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 06, 2020 · Amount on Record |
| Deed Sale | Feb 06, 2020 · Amount on Record |
| Prior Sale | Dec 08, 2017 · Amount on Record |
| Deed Document Number | 2020-016223 |
| Record Updated | Jun 07, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Feb 06, 2020 |
| Property Address | 2499 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000016223 |
| Map Reference | MB 36 PG 75 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 2020-016223 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 2499 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000016224 |
|---|---|
| Date | Feb 06, 2020 |
| Instrument | 2020-016224 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 08, 2017 |
| Property Address | 2499 GAINES LN, TRACY, CA 95377-7915 |
| Document Number | 0000143035 |
| Map Reference | MAP36 PG75 |
| Instrument Date | Dec 04, 2017 |
| Instrument | 2017-143035 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2700 MARINA DR APT 65, 65, MODESTO, CA 95355-2278 |
| Document Number | 0000143036 |
|---|---|
| Date | Dec 08, 2017 |
| Instrument | 2017-143036 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2048 |
Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,487.00 (+9.35%) Homeowner's exemption | $535,882 (+4.04%) Land $131,235 Building $404,647 |
| 2023 | $6,847.00 (-1.86%) Homeowner's exemption | $515,075 Land $126,140 Building $388,935 |
| 2022 | $6,977.00 |
Source: FEMA National Flood Hazard Layer as of September 27, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Zinnia Networks Fixed Wireless | 400 / 80 |
| UnWired Broadband Holding 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 |
Based on FCC filings for 620 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF TRACY serves 98,215 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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