2528 Gaines Ln, Tracy, CA 95377 Property Records

San Joaquin County property record for 2528 Gaines Ln, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,658 sqft · built 2002
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jul 2018)
Tax Bill	$6,683 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`238-440-610-000`

Property Details

APN / Parcel Number

Primary APN	`238-440-610-000`
Alternative APN	`238-440-61`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,658 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	238-440-61
Street Address	2528 GAINES LN
City	TRACY
State	CA
Zip	95377-7916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14
Legal Subdivision	LYON CROSSROADS
Legal Block	2
Legal Lot Number	14
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2004
Census Tract	5211

Owner

2528 Gaines Ln is owned and occupied by two individuals who bought it in July 2018.

Source: San Joaquin County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	931 GLENCREEK DR, TRACY, CA 95377-8241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 31, 2018	Grant Deed, Transfer · Conventional with PMI JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Prior Sale	Jul 10, 2009 · Amount on File
Deed Document Number	201884222
Prior Transfer Date	May 5, 2009
Prior Transfer Doc	0000072715
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2528 GAINES LN, TRACY, CA 95377-7916
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 GAINES LN, TRACY, CA 95377-7916

Mortgage

Document Number	0000197289
Date	Nov 30, 2021
Instrument	2021-197289

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2528 GAINES LN, TRACY, CA 95377-7916
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 GAINES LN, TRACY, CA 95377-7916

Mortgage

Document Number	0000140847
Date	Oct 21, 2020
Instrument	2020-140847

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 31, 2018
Property Address	2528 GAINES LN, TRACY, CA 95377-7916
Document Number	0000084222
Instrument Date	Jul 26, 2018
Instrument	84222
Transaction Type	Transfer
Record Updated	Aug 13, 2018
Title Company	NORTH AMERICAN TITLE CONCORD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2528 GAINES LN TRACY CA 953777916, TRACY, CA 95377-7916

Mortgage

Document Number	84223
Date	Jul 31, 2018
Instrument	84223

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2528 Gaines Ln was $6,683 with a homeowner's exemption, down 9.1% from the year before.

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	$6,683.00 (-9.12%)
2025	$7,354.00 Homeowner's exemption	$524,289 Land $133,860 Building $390,429
2023	$6,726.00 (-1.94%) Homeowner's exemption	$503,932 Land $128,663 Building $375,269	$630,450
2022	$6,859.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2528 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

Wildfire risk around 2528 Gaines Ln is low, with less than 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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 640 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: DigitalPath, Matrix Broadband.

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