2543 Merchant Dr, Tracy, CA 95377 Property Records

San Joaquin County property record for 2543 Merchant Dr, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,919 sqft · built 2004
Lot Size	0.182 acres (7,938 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jan 2017)
Tax Bill	$9,641 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`240-610-010-000`

Property Details

APN / Parcel Number

Primary APN	`240-610-010-000`
Alternative APN	`240-610-01`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,919 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,938 sqft (0.182 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	240-610-01
Street Address	2543 MERCHANT DR
City	TRACY
State	CA
Zip	95377-8561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	04-FM PT OF 240-020-05 PER PRESIDIO PUD NO 3A
Legal Subdivision	PRESIDIO PUD UNIT 3A
Legal Block	3
Legal Lot Number	452
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3006
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 Individual Names on Record
Mailing Address	2543 MERCHANT DR, TRACY, CA 95377-8561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2020	Quit Claim Deed, Transfer CALIBER HM LOANS
Apr 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Jan 19, 2017	Grant Deed, Transfer · Conventional Mortgage BANC HM LNS
Jan 19, 2017	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2017 · Amount on Record
Deed Sale	Jan 19, 2017 · Amount on Record
Prior Sale	Feb 17, 2011 · Amount on Record
Deed Document Number	20177998
Last Transfer Date	Mar 19, 2020
Transfer Doc	0000037165
Record Updated	Oct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 24, 2020
Property Address	2543 MERCHANT DR, TRACY, CA 95377-8561
Document Number	0000037165
Instrument Date	Mar 19, 2020
Instrument	37165
Transaction Type	Transfer
Record Updated	Apr 30, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO 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	Community Property
Address	2543 MERCHANT DR TRACY CA 953778561, TRACY, CA 95377-8561

Mortgage

Document Number	37166
Date	Mar 24, 2020
Instrument	37166

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2543 MERCHANT DR, TRACY, CA 95377-8561
Document Number	0000043540
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	May 17, 2019
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2543 MERCHANT DR TRACY CA 953778561, TRACY, CA 95377-8561

Mortgage

Document Number	0000043540
Date	Apr 30, 2019
Instrument	43540

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 19, 2017
Property Address	2543 MERCHANT DR, TRACY, CA 95377-8561
Document Number	0000007998
Instrument Date	Jan 11, 2017
Instrument	7998
Transaction Type	Transfer
Record Updated	Apr 25, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12655 WINONA CT BROOMFIELD CO 800205772, BROOMFIELD, CO 80020-5772

Mortgage

Document Number	7999
Date	Jan 19, 2017
Instrument	7999

Lender

Name	BANC HM LNS
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 19, 2017
Property Address	2543 MERCHANT DR, TRACY, CA 95377-8561
Document Number	0000007997
Instrument Date	Jan 11, 2017
Instrument	7997
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	12655 WINONA CT BROOMFIELD CO 800205772, BROOMFIELD, CO 80020-5772

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	$9,641.00 (+0.57%)
2025	$9,586.00 (+8.65%)	$609,299 (+4.04%) Land $213,544 Building $395,755
2023	$8,823.00 (+2.12%)	$585,641 Land $205,252 Building $380,389	$800,910
2022	$8,640.00

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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