San Joaquin County property record for 2607 Spencer Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,434 sqft · built 2001 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Company Name on Record |
| Last Sale | $253,500 (Mar 2001) |
| Tax Bill | $5,043 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-440-450-000 |
| Primary APN | 238-440-450-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,434 sqft Living Area |
| 1st Floor Area | 1,434 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 238-440-45 |
|---|---|
| Street Address | 2607 SPENCER CT |
| City | TRACY |
| State | CA |
| Zip | 95377-8804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LYON CROSSROADS 04 LOT 9 |
| Legal Subdivision | LYON CROSSROADS |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5211 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2607 SPENCER CT, TRACY, CA 95377-8804 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK |
| Dec 21, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2001 · Amount on Record |
| Deed Sale | Mar 5, 2001 · Amount on Record |
| Deed Document Number | 200130404 |
| Last Transfer Date | Dec 20, 2018 |
| Transfer Doc | 0000142883 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2607 SPENCER CT, TRACY, CA 95377-8804 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2607 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000125391 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021-125391 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2607 SPENCER CT, TRACY, CA 95377-8804 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2607 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000130377 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 2020-130377 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Dec 21, 2018 |
| Property Address | 2607 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000142883 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 142883 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2607 SPENCER CT TRACY CA 953778804, TRACY, CA 95377-8804 |
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 | $5,043.00 (-11.73%) | ||
| 2025 | $5,713.00 (+9.05%) Homeowner's exemption | $381,398 (+4.04%) Land $113,004 Building $268,394 | |
| 2023 | $5,239.00 (-3%) Homeowner's exemption | $366,590 Land $108,617 Building $257,973 | $561,420 |
| 2022 | $5,401.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures