2538 Gaines Ln, Tracy, CA 95377 Property Records

San Joaquin County property record for 2538 Gaines Ln, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,434 sqft · built 2002
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Mar 2010)
Tax Bill	$4,151 (2026)
Deeds & Mortgages	Apr 2021 Transfer Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`238-440-620-000`

Property Details

APN / Parcel Number

Primary APN	`238-440-620-000`
Alternative APN	`238-440-62`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,434 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	238-440-62
Street Address	2538 GAINES LN
City	TRACY
State	CA
Zip	95377-7916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	01 FM PT OF 238-440-31/PER LYON CROSSROADS UNIT #5
Legal Subdivision	LYON CROSSROADS
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2004
Census Tract	5211

Owner

2538 Gaines Ln is owned and occupied by two individuals who acquired it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2538 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.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Intrafamily Transfer, Transfer
Apr 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Apr 30, 2020	Quit Claim Deed, Transfer CYPRESS TITLE COMPANY, CYPRESS TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2010 · Amount on File
Deed Sale	Mar 24, 2010 · Amount on File
Prior Sale	Nov 24, 2009 · Amount on File
Deed Document Number	201041207
Last Transfer Date	Apr 24, 2020
Transfer Doc	0000051782
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 1, 2021
Property Address	2538 GAINES LN, TRACY, CA 95377-7916
Document Number	0000057793
Map Reference	MB 36 PG 75
Instrument Date	Mar 1, 2021
Instrument	2021-057793
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2538 GAINES LN, TRACY, CA 95377-7916

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 30, 2020
Property Address	2538 GAINES LN, TRACY, CA 95377-7916
Document Number	0000051782
Map Reference	MB 36 PG 75
Instrument Date	Apr 24, 2020
Instrument	2020-051782
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CYPRESS TITLE CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2538 GAINES LN, TRACY, CA 95377-7916

Mortgage

Document Number	0000051783
Date	Apr 30, 2020
Instrument	2020-051783

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 30, 2020
Property Address	2538 GAINES LN, TRACY, CA 95377-7916
Document Number	0000051781
Instrument Date	Apr 24, 2020
Instrument	51781
Transaction Type	Transfer
Record Updated	May 15, 2020
Title Company	CYPRESS TITLE COMPANY, CYPRESS TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2538 GAINES LN TRACY CA 953777916, TRACY, CA 95377-7916

Tax Assessment & Valuation

The 2026 property tax bill for 2538 Gaines Ln was $4,151, down 13.9% 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	$4,151.00 (-13.93%)
2025	$4,823.00	$296,871 Land $73,570 Building $223,301
2023	$4,434.00 (-3.92%)	$285,345 Land $70,714 Building $214,631	$587,520
2022	$4,615.00

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

Flood

FEMA maps place 2538 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 2538 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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