San Joaquin County property record for 2773 Merchant Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,473 sqft · built 2003 |
| Lot Size | 0.23 acres (9,997 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $635,000 (Dec 2005) |
| Tax Bill | $12,007 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 240-470-070-000 |
| Primary APN | 240-470-070-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,473 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 | 9,997 sqft (0.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 240-470-07 |
|---|---|
| Street Address | 2773 MERCHANT CT |
| City | TRACY |
| State | CA |
| Zip | 95377-8501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 275 |
| Legal Subdivision | PRESIDIO PUD UNIT 2A |
| Legal Block | 2 |
| Legal Lot Number | 275 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 5212 |
2773 Merchant Ct is owned and occupied by two individuals who bought it in December 2005.
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 | 2773 MERCHANT CT, TRACY, CA 95377-8501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed of Trust, Mortgage · Line of Credit UMPQUA BANK |
| Jun 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Oct 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2005 · Amount on File |
| Deed Sale | Dec 2, 2005 · Amount on File |
| Prior Sale | Oct 21, 2003 · Amount on File |
| Deed Document Number | 2005301196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2773 MERCHANT CT, TRACY, CA 95377-8501 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2773 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000082492 |
|---|---|
| Date | Oct 12, 2023 |
| Instrument | 2023-082492 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | ROSEBURG, OR 97470 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2773 MERCHANT CT, TRACY, CA 95377-8501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORTC |
| Name | Verified Name |
|---|
| Document Number | 0000067587 |
|---|---|
| Date | Jun 14, 2017 |
| Instrument | 2017-067587 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2773 MERCHANT CT, TRACY, CA 95377-8501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE CO SAN |
| Name | Verified Name |
|---|---|
| Address | 2773 MERCHANT CT, TRACY, CA 95377-8501 |
| Document Number | 0000132349 |
|---|---|
| Date | Oct 5, 2020 |
| Instrument | 2020-132349 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
The 2026 property tax bill for 2773 Merchant Ct was $12,007 with a homeowner's exemption, down 1.1% 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 | $12,007.00 (-1.09%) | ||
| 2025 | $12,139.00 Homeowner's exemption | $839,100 Land $250,000 Building $589,100 | |
| 2023 | $11,739.00 (+2.11%) Homeowner's exemption | $862,372 Land $333,617 Building $528,755 | $669,870 |
| 2022 | $11,496.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2773 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 2773 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 |
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