San Joaquin County property record for 2712 Merchant Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,176 sqft · built 2003 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $795,000 (Aug 2024) |
| Tax Bill | $11,742 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2023 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 240-470-010-000 |
| Primary APN | 240-470-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Area | 427 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Old Parcel Number | 240-470-01 |
|---|---|
| Street Address | 2712 MERCHANT CT |
| City | TRACY |
| State | CA |
| Zip | 95377-8501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 02-FM PT OF 240-440-37/RM 36-034 |
| Legal Subdivision | PRESIDIO PUD UNIT 2A |
| Legal Block | 2 |
| Legal Lot Number | 269 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5212 |
2712 Merchant Ct is owned and occupied by an individual who bought it in August 2024.
Source: San Joaquin County records, as of October 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BEAZER MORTGAGE CORPORATION |
| Aug 21, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 13, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Mar 12, 2021 | Intrafamily Transfer, Transfer NORTH AMERICAN TITLE CO INC |
| Oct 13, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Mar 12, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 27, 2020 | Quit Claim Deed, Transfer NORTH AMERICAN TITLE |
| Mar 27, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Jul 5, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2024 · Amount on File |
| Deed Sale | Aug 28, 2024 · Amount on File |
| Prior Sale | Feb 22, 2013 · Amount on File |
| Deed Document Number | 202472511 |
| Prior Transfer Date | Dec 1, 2020 |
| Prior Transfer Doc | 0000045794 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Apr 13, 2026 |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000032150 |
| Instrument Date | Apr 4, 2026 |
| Instrument | 202632150 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000032150, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 202632150 |
| Name | BEAZER MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000066062 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 2023-066062 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000005528 |
|---|---|
| Date | Jan 13, 2022 |
| Instrument | 2022-005528 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 12, 2021 |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000045796 |
| Map Reference | MB 36 PG 34 |
| Instrument Date | Mar 8, 2021 |
| Instrument | 2021-045796 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | NORTH AMERICAN TITLE CO INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|---|
| Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000136487 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 2020-136487 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Sep 21, 2030 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 12, 2021 |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000045794 |
| Map Reference | MB 36 PG 34 |
| Instrument Date | Dec 1, 2020 |
| Instrument | 2021-045794 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | NORTH AMERICAN TITLE CO INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000045795 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021-045795 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 27, 2020 |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000038749 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 38749 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2020 |
| Title Company | NORTH AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2712 MERCHANT CT TRACY CA 953778501, TRACY, CA 95377-8501 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 27, 2020 |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000038747 |
| Map Reference | DOC 2003-003926 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 2020-038747 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | NORTH AMERICAN TITLE CONCORD |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000038748 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 2020-038748 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jul 5, 2019 |
| Property Address | 2712 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000071023 |
| Instrument Date | May 30, 2019 |
| Instrument | 71023 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2712 MERCHANT CT TRACY CA 953778501, TRACY, CA 95377-8501 |
The 2026 property tax bill for 2712 Merchant Ct was $11,742, up 60.3% 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 | $11,742.00 (+60.34%) | $810,900 (+95.42%) Land $244,800 Building $566,100 | |
| 2025 | $7,323.00 | $414,950 Land $96,047 Building $318,903 | |
| 2023 | $6,768.00 (+2.14%) | $398,838 Land $92,318 Building $306,520 | $648,900 |
| 2022 | $6,626.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2712 Merchant 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 2712 Merchant 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 | None beyond ember reach |
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