San Joaquin County property record for 2518 Gaines Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,051 sqft · built 2002 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $525,000 (Mar 2019) |
| Tax Bill | $7,387 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-440-600-000 |
| Primary APN | 238-440-600-000 |
|---|---|
| Alternative APN |
|
| 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 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 238-440-60 |
|---|---|
| Street Address | 2518 GAINES LN |
| City | TRACY |
| State | CA |
| Zip | 95377-7916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 |
| Legal Subdivision | LYON CROSSROADS |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 5211 |
2518 Gaines Ln is owned and occupied by an individual who bought it in March 2019.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2518 GAINES LN, TRACY, CA 95377-7916 |
| 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 |
|---|---|
| Feb 24, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 21, 2019 | Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2019 · Amount on File |
| Deed Sale | Mar 21, 2019 · Amount on File |
| Prior Sale | Jan 14, 2016 · Amount on File |
| Deed Document Number | 201928254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2518 GAINES LN, TRACY, CA 95377-7916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NORTH AMERICAN TITLE CONCORD |
| Name | Verified Name |
|---|
| Document Number | 0000023049 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2020-023049 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 21, 2019 |
| Property Address | 2518 GAINES LN, TRACY, CA 95377-7916 |
| Document Number | 0000028254 |
| Map Reference | MB 36 PG 75 |
| Instrument Date | Mar 19, 2019 |
| Instrument | 2019-028254 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | NORTH AMERICAN TITLE CONCORD |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2518 GAINES LN, TRACY, CA 95377-7916 |
| Document Number | 0000028255 |
|---|---|
| Date | Mar 21, 2019 |
| Instrument | 2019-028255 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2026 property tax bill for 2518 Gaines Ln was $7,387 with a homeowner's exemption, down 8.3% 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 | $7,387.00 (-8.34%) | ||
| 2025 | $8,059.00 Homeowner's exemption | $585,642 Land $133,860 Building $451,782 | |
| 2023 | $7,365.00 (-1.6%) Homeowner's exemption | $562,903 Land $128,663 Building $434,240 | $700,560 |
| 2022 | $7,485.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2518 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 2518 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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