San Joaquin County property record for 2576 Spencer Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,658 sqft · built 2002 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $650,000 (Mar 2024) |
| Tax Bill | $7,502 (2026) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage May 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-440-700-000 |
| Primary APN | 238-440-700-000 |
|---|---|
| Alternative APN |
|
| 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 |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Area | 492 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Old Parcel Number | 238-440-70 |
|---|---|
| Street Address | 2576 SPENCER LN |
| City | TRACY |
| State | CA |
| Zip | 95377-8817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 22 |
| Legal Subdivision | LYON CROSSROADS |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5211 |
2576 Spencer Ln is owned and occupied by an individual who bought it in March 2024.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2576 SPENCER LN, TRACY, CA 95377-8817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Mar 26, 2024 | Grant Deed, Transfer · FHA Mortgage US DIRECT LENDER |
| May 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MEGA CAPITAL FUNDING INC |
| Oct 19, 2018 | Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2024 · Amount on File |
| Deed Sale | Mar 26, 2024 · Amount on File |
| Prior Sale | Oct 19, 2018 · Amount on File |
| Deed Document Number | 202424821 |
| Prior Transfer Date | Mar 5, 2004 |
| Prior Transfer Doc | 0000047979 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 26, 2024 |
| Property Address | 2576 SPENCER LN, TRACY, CA 95377-8817 |
| Document Number | 0000024821 |
| Map Reference | MB 36 PG 75 |
| Instrument Date | Mar 13, 2024 |
| Instrument | 2024-024821 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2024 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 2576 SPENCER LN, TRACY, CA 95377-8817 |
| Document Number | 0000024822 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 2024-024822 |
| Name | US DIRECT LENDER |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2576 SPENCER LN, TRACY, CA 95377-8817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 2576 SPENCER LN, TRACY, CA 95377-8817 |
| Document Number | 0000053115 |
|---|---|
| Date | May 23, 2019 |
| Instrument | 2019-053115 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 19, 2018 |
| Property Address | 2576 SPENCER LN, TRACY, CA 95377-8817 |
| Document Number | 0000115983 |
| Map Reference | MB 36 PG 75 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 2018-115983 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2576 SPENCER LN, TRACY, CA 95377-8817 |
| Document Number | 0000115984 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 2018-115984 |
| Name | MOUNTAIN WEST FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2026 property tax bill for 2576 Spencer Ln was $7,502, down 16.9% 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 | $7,502.00 (-16.89%) | ||
| 2025 | $9,027.00 | $663,000 Land $198,900 Building $464,100 | |
| 2023 | $6,744.00 (-1.95%) | $498,571 Land $128,663 Building $369,908 | $589,860 |
| 2022 | $6,878.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2576 Spencer 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 2576 Spencer 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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