2963 Ironstone Dr, Tracy, CA 95377 Property Records

San Joaquin County property record for 2963 Ironstone Dr, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,565 sqft · built 2019
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,010,000 (May 2022)
Tax Bill	$12,895 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`253-520-330-000`

Property Details

APN / Parcel Number

Primary APN	`253-520-330-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,565 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2963 IRONSTONE DR
City	TRACY
State	CA
Zip	95377-8158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 82 TRACY HILLS VILLAGE 7A, TRACT 3955
Legal Subdivision	TRACY HILLS VILLAGE 7A
Legal Tract	3955
Legal Block	1
Legal Lot Number	82
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1043
Census Tract	5502

Owner

2963 Ironstone Dr is owned and occupied by two individuals who bought it in May 2022.

Source: San Joaquin County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2963 IRONSTONE DR, TRACY, CA 95377-8158
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Grant Deed, Transfer · Conventional Mortgage THE GOLDEN 1 CU
May 12, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on File
Deed Sale	May 16, 2022 · Amount on File
Prior Sale	May 12, 2020 · Amount on File
Deed Document Number	202262387
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 16, 2022
Property Address	2963 IRONSTONE DR, TRACY, CA 95377-8158
Document Number	0000062387
Map Reference	MB 43 PG 50
Instrument Date	May 4, 2022
Instrument	2022-062387
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	2963 IRONSTONE DR, TRACY, CA 95377-8158

Mortgage

Document Number	0000062388
Date	May 16, 2022
Instrument	2022-062388

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

May 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 12, 2020
Property Address	2963 IRONSTONE DR, TRACY, CA 95377-8158
Document Number	0000056166
Instrument Date	Mar 30, 2020
Instrument	56166
Transaction Type	Subdivision Related Transfer
Record Updated	May 25, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$671.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2963 IRONSTONE DR TRACY CA 953778158, TRACY, CA 95377-8158

Mortgage

Document Number	56167
Date	May 12, 2020
Instrument	56167

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 2963 Ironstone Dr was $12,895, up 0.2% from the year before.

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Tracy City
Secondary School District	Tracy Unified School District (9-12) (09 - 12)
Elementary School District	Jefferson Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,895.00 (+0.19%)
2025	$12,870.00	$926,100 Land $275,000 Building $651,100
2023	$13,752.00 (+44.8%)	$1,030,200 Land $255,000 Building $775,200	$958,320
2022	$9,497.00

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

Flood

FEMA maps place 2963 Ironstone Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1983–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2963 Ironstone Dr is very high, ranking above 90% of the US, with a 0.9% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 90% of the US · above 72% of California
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
unWired Broadband Fixed Wireless	400 / 50
Matrix Broadband Fixed Wireless	200 / 40
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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