2558 Gaines Ln, Tracy, CA 95377 Property Records

San Joaquin County property record for 2558 Gaines Ln, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,051 sqft · built 2002
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Apr 2026)
Tax Bill	$5,825 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`238-440-640-000`

Property Details

APN / Parcel Number

Primary APN	`238-440-640-000`
Alternative APN	`238-440-64`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,051 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	6,000 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	238-440-64
Street Address	2558 GAINES LN
City	TRACY
State	CA
Zip	95377-7916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17
Legal Subdivision	LYON CROSSROADS
Legal Block	2
Legal Lot Number	17
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2004
Census Tract	5211

Owner

2558 Gaines Ln is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2558 GAINES LN, TRACY, CA 95377-7916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Dec 6, 2022	Deed of Trust, Mortgage · Line of Credit PACIFIC SERVICE CU
Apr 14, 2026	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Apr 14, 2026	Grant Deed, Transfer · Conventional Mortgage E HOME LOANS CORPORATION
Mar 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2026 · Amount on File
Deed Sale	Apr 14, 2026 · Amount on File
Deed Document Number	202633658
Prior Transfer Date	Oct 6, 2003
Prior Transfer Doc	0000236787
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2558 GAINES LN, TRACY, CA 95377-7916
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	CHICAGO TITLE-INLAND EMPIRE, CHICAGO TITLE INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2558 GAINES LN, TRACY, CA 95377-7916
Investor	Possibly a Property Investor

Mortgage

Document Number	0000135093
Date	Dec 6, 2022
Instrument	2022-135093

Lender

Name	PACIFIC SERVICE CU
Type	Credit Union
Address	CONCORD, CA 94520

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	264 Months
Due	Dec 5, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 14, 2026
Property Address	2558 GAINES LN, TRACY, CA 95377-7916
Document Number	0000033657
Instrument Date	Apr 10, 2026
Instrument	202633657
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2558 GAINES LN, TRACY, CA 95377-7916

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 14, 2026
Property Address	2558 GAINES LN, TRACY, CA 95377-7916
Document Number	0000033658
Instrument Date	Apr 9, 2026
Instrument	202633658
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,437.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2558 GAINES LN, TRACY, CA 95377-7916

Mortgage

Document Number	0000033659,
Date	Apr 14, 2026
Instrument	202633659

Lender

Name	E HOME LOANS CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 23, 2018
Property Address	2558 GAINES LN, TRACY, CA 95377-7916
Document Number	0000032613
Instrument Date	Mar 16, 2018
Instrument	32613
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2558 GAINES LN TRACY CA 953777916, TRACY, CA 95377-7916

Tax Assessment & Valuation

The 2026 property tax bill for 2558 Gaines Ln was $5,825, down 10.3% 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	$5,825.00 (-10.34%)
2025	$6,497.00	$442,597 Land $131,788 Building $310,809
2023	$5,952.00 (-2.46%)	$425,412 Land $126,671 Building $298,741	$709,110
2022	$6,102.00

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

Flood

FEMA maps place 2558 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 2558 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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