2657 Spencer Ct, Tracy, CA 95377 Property Records

San Joaquin County property record for 2657 Spencer 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	$616,000 (Mar 2025)
Tax Bill	$7,815 (2026)
Deeds & Mortgages	Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`238-440-220-000`

Property Details

APN / Parcel Number

Primary APN	`238-440-220-000`
Alternative APN	`238-440-22`

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	238-440-22
Street Address	2657 SPENCER CT
City	TRACY
State	CA
Zip	95377-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	01-FM PT OF 238-040-09
Legal Subdivision	LYON CROSSROADS
Legal Block	2
Legal Lot Number	22
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	2657 SPENCER CT, TRACY, CA 95377-8804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2025 · Amount on Record
Deed Sale	Mar 14, 2025 · Amount on Record
Prior Sale	May 4, 2011 · Amount on Record
Deed Document Number	202521316
Prior Transfer Date	Mar 7, 2025
Prior Transfer Doc	0000021315
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 12, 2020
Property Address	2657 SPENCER CT, TRACY, CA 95377-8804
Document Number	0000135734
Instrument Date	Oct 8, 2020
Instrument	135734
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 236 ALAMO CA 945070236, ALAMO, CA 94507-0236

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	$7,815.00 (+68.03%)
2025	$4,651.00 (+8.72%)	$281,848 (+4.04%) Land $76,866 Building $204,982
2023	$4,278.00 (-4.12%)	$270,905 Land $73,882 Building $197,023	$631,080
2022	$4,462.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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.

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 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