San Joaquin County property record for 2646 Spencer Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,051 sqft · built 2000 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Oct 2018) |
| Tax Bill | $7,211 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-440-340-000 |
| Primary APN | 238-440-340-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,051 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Area | 537 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Old Parcel Number | 238-440-34 |
|---|---|
| Street Address | 2646 SPENCER CT |
| City | TRACY |
| State | CA |
| Zip | 95377-8804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 01-FM PT OF 238-440-32 |
| Legal Subdivision | LYON CROSSROADS |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5211 |
2646 Spencer Ct is owned and occupied by two individuals who acquired it in February 2021.
Source: San Joaquin County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2646 SPENCER CT, TRACY, CA 95377-8804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 23, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 25, 2018 | Grant Deed, Transfer · Conventional with PMI PARKSIDE LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2018 · Amount on File |
| Deed Sale | Oct 25, 2018 · Amount on File |
| Prior Sale | Dec 3, 2003 · Amount on File |
| Deed Document Number | 2018118241 |
| Last Transfer Date | Feb 16, 2021 |
| Transfer Doc | 0000032890 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Feb 23, 2021 |
| Property Address | 2646 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000032890 |
| Map Reference | MB 35 PG 49 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 2021-032890 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2646 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000032891 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 2021-032891 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 25, 2018 |
| Property Address | 2646 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000118241 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 118241 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2646 SPENCER CT TRACY CA 953778804, TRACY, CA 95377-8804 |
| Document Number | 118242 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 118242 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 95377 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 24, 2048 |
The 2026 property tax bill for 2646 Spencer Ct was $7,211 with a homeowner's exemption, down 8.5% 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 | $7,211.00 (-8.51%) | ||
| 2025 | $7,882.00 Homeowner's exemption | $570,282 Land $148,773 Building $421,509 | |
| 2023 | $7,075.00 (-1.74%) Homeowner's exemption | $536,098 Land $128,663 Building $407,435 | $642,690 |
| 2022 | $7,200.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2646 Spencer 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 risk around 2646 Spencer Ct 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 | 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 |
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