277 W 20th St, Tracy, CA 95376 Property Records

San Joaquin County property record for 277 W 20th St, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1965
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$505,000 (Oct 2022)
Tax Bill	$6,050 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`233-190-190-000`

Property Details

APN / Parcel Number

Primary APN	`233-190-190-000`
Alternative APN	`233-190-19`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
1st Floor Area	1,574 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	233-190-19
Street Address	277 W 20TH ST
City	TRACY
State	CA
Zip	95376-2619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19
Legal Subdivision	PARKER GARDENS 02
Legal Block	1
Legal Lot Number	19
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1006
Census Tract	5303

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	277 W 20TH ST, TRACY, CA 95376-2619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 7, 2022	Grant Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL INC
Dec 24, 2019	Quit Claim Deed, Transfer · Conventional with PMI APEX LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Jan 7, 2014 · Amount on Record
Deed Document Number	2022116706
Prior Transfer Date	Dec 16, 2019
Prior Transfer Doc	0000151206
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	277 W 20TH ST, TRACY, CA 95376-2619
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 W 20TH ST, TRACY, CA 95376-2619

Mortgage

Document Number	0000098723
Date	Dec 5, 2023
Instrument	2023-098723

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Nov 1, 2052

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 7, 2022
Property Address	277 W 20TH ST, TRACY, CA 95376-2619
Document Number	0000116706
Map Reference	VOL 14 PG 66
Instrument Date	Sep 30, 2022
Instrument	2022-116706
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	277 W 20TH ST, TRACY, CA 95376-2619

Mortgage

Document Number	0000116707
Date	Oct 7, 2022
Instrument	2022-116707

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 24, 2019
Property Address	277 W 20TH ST, TRACY, CA 95376-2619
Document Number	0000151206
Instrument Date	Dec 16, 2019
Instrument	151206
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	277 W 20TH ST TRACY CA 953762619, TRACY, CA 95376-2619

Mortgage

Document Number	151207
Date	Dec 24, 2019
Instrument	151207

Lender

Name	APEX LNDG
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2049

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	$6,050.00 (-0.03%)
2025	$6,052.00 (+10.26%)	$525,402 (+4.04%) Land $156,060 Building $369,342
2023	$5,489.00 (+90.59%)	$505,000 Land $150,000 Building $355,000	$446,130
2022	$2,880.00

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

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	Not rated no burnable land within 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 565 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Matrix Broadband.

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