2589 Gaines Ct, Tracy, CA 95377 Property Records

San Joaquin County property record for 2589 Gaines Ct, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,051 sqft · built 2000
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (Jul 2021)
Tax Bill	$8,777 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`238-440-020-000`

Property Details

APN / Parcel Number

Primary APN	`238-440-020-000`
Alternative APN	`238-440-02`

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 2000
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	238-440-02
Street Address	2589 GAINES CT
City	TRACY
State	CA
Zip	95377-7906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	01-FM PT OF 238-040-09
Legal Subdivision	LYON CROSSROADS
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2002
Census Tract	5211

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	4503 PINE MOUNTAIN WAY, DUBLIN, CA 94568-4362
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Sep 29, 2000 · Amount on Record
Deed Document Number	2021128374
Prior Transfer Date	Nov 25, 2003
Prior Transfer Doc	0000277103
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 30, 2021
Property Address	2589 GAINES CT, TRACY, CA 95377-7906
Document Number	0000128374
Map Reference	MB 34 PG 100
Instrument Date	Jul 28, 2021
Instrument	2021-128374
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2589 GAINES CT, TRACY, CA 95377-7906

Mortgage

Document Number	0000128375
Date	Jul 30, 2021
Instrument	2021-128375

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	7.37%

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	$8,777.00 (-14.87%)
2025	$10,310.00 (+9.58%)	$774,681 (+4.04%) Land $228,159 Building $546,522
2023	$9,409.00 (-0.84%)	$744,600 Land $219,300 Building $525,300	$781,920
2022	$9,489.00

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

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

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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