San Joaquin County property record for 2647 Spencer Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,434 sqft · built 2001 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $635,000 (Oct 2021) |
| Tax Bill | $8,039 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-440-410-000 |
| Primary APN | 238-440-410-000 |
|---|---|
| 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 | 4,792 sqft (0.11 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 238-440-41 |
|---|---|
| Street Address | 2647 SPENCER CT |
| City | TRACY |
| State | CA |
| Zip | 95377-8804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 01-FM PT OF 238-440-33 |
| Legal Subdivision | LYON CROSSROADS |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2647 SPENCER CT, TRACY, CA 95377-8804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 12, 2021 | Grant Deed, Transfer · Conventional Mortgage ARC HOME LLC |
| Mar 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RANLIFE HOME LOANS |
| Apr 24, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2021 · Amount on Record |
| Deed Sale | Oct 12, 2021 · Amount on Record |
| Prior Sale | Dec 9, 2008 · Amount on Record |
| Deed Document Number | 2021171385 |
| Prior Transfer Date | Apr 17, 2017 |
| Prior Transfer Doc | 0000045366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 12, 2021 |
| Property Address | 2647 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000171385 |
| Map Reference | MB 35 PG 49 |
| Instrument Date | Oct 4, 2021 |
| Instrument | 2021-171385 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC |
| Amount | Amount Recorded |
|---|---|
| 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 | 2647 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000171386 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021-171386 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2647 SPENCER CT, TRACY, CA 95377-8804 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN |
| Name | Verified Name |
|---|---|
| Address | 2647 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000040047 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 2021-040047 |
| Name | RANLIFE HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Address | SANDY, UT 84070 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Apr 24, 2017 |
| Property Address | 2647 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000045366 |
| Map Reference | MAP35 PG49 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 2017-045366 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2647 SPENCER CT, TRACY, CA 95377-8804 |
| Document Number | 0000045367 |
|---|---|
| Date | Apr 24, 2017 |
| Instrument | 2017-045367 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
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 | $8,039.00 (-9.26%) | ||
| 2025 | $8,859.00 (+6.94%) Homeowner's exemption | $655,300 (+1.17%) Land $195,000 Building $460,300 | |
| 2023 | $8,284.00 (-1.2%) Homeowner's exemption | $647,700 Land $193,800 Building $453,900 | $621,180 |
| 2022 | $8,385.00 |
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 |
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