2639 Gaines Ct, Tracy, CA 95377 Property Records

San Joaquin County property record for 2639 Gaines Ct, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,789 sqft · built 2000
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$815,000 (Mar 2022)
Tax Bill	$9,372 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`238-440-070-000`

Property Details

APN / Parcel Number

Primary APN	`238-440-070-000`
Alternative APN	`238-440-07`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,789 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
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	238-440-07
Street Address	2639 GAINES CT
City	TRACY
State	CA
Zip	95377-7907
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	7
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2002
Census Tract	5211

Owner

2639 Gaines Ct is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2639 GAINES CT, TRACY, CA 95377-7907
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 30, 2022	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
May 11, 2021	Intrafamily Transfer, Transfer
Feb 10, 2021	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Prior Sale	Feb 10, 2021 · Amount on File
Deed Document Number	202241803
Prior Transfer Date	Feb 4, 2021
Prior Transfer Doc	0000024389
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2639 GAINES CT, TRACY, CA 95377-7907
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2639 GAINES CT, TRACY, CA 95377-7907

Mortgage

Document Number	0000153343
Date	Nov 10, 2020
Instrument	2020-153343

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 30, 2022
Property Address	2639 GAINES CT, TRACY, CA 95377-7907
Document Number	0000041803
Map Reference	MB 34 PG 100
Instrument Date	Mar 17, 2022
Instrument	2022-041803
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	2639 GAINES CT, TRACY, CA 95377-7907

Mortgage

Document Number	0000041804
Date	Mar 30, 2022
Instrument	2022-041804

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Mortgage

Document Number	0000041805
Date	Mar 30, 2022
Instrument	2022-041805

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 11, 2021
Property Address	2639 GAINES CT, TRACY, CA 95377-7907
Document Number	0000082476
Map Reference	MB 34 PG 100
Instrument Date	May 4, 2021
Instrument	2021-082476
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 SUMMIT RIDGE WAY, GARDNERVILLE, NV 89460-6415
Investor	Possibly a Property Investor

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 10, 2021
Property Address	2639 GAINES CT, TRACY, CA 95377-7907
Document Number	0000024389
Map Reference	MB 34 PG 100
Instrument Date	Feb 4, 2021
Instrument	2021-024389
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	170 SUMMIT RIDGE WAY, GARDNERVILLE, NV 89460-6415
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 2639 Gaines Ct was $9,372, down 8.3% 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	$9,372.00 (-8.28%)
2025	$10,218.00	$766,700 Land $230,000 Building $536,700
2023	$9,122.00 (+79.04%)	$718,100 Land $215,000 Building $503,100	$767,610
2022	$5,095.00

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

Flood

FEMA maps place 2639 Gaines Ct 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 2639 Gaines Ct 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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