2964 Ellis Town Dr, Tracy, CA 95377 Property Records

San Joaquin County property record for 2964 Ellis Town Dr, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,411 sqft · built 2023
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$880,000 (Apr 2023)
Tax Bill	$14,041 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240-820-460-000`

Property Details

APN / Parcel Number

Primary APN	`240-820-460-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,411 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2964 ELLIS TOWN DR
City	TRACY
State	CA
Zip	95377-8929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 200 TOWN & COUNTRY TRACT 4007
Legal Subdivision	TOWN & COUNTRY
Legal Tract	4007
Legal Block	2
Legal Lot Number	200
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2073
Census Tract	5213

Owner

2964 Ellis Town Dr is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2964 ELLIS TOWN DR, TRACY, CA 95377-8929
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2023 · Amount on File
Deed Sale	Apr 12, 2023 · Amount on File
Deed Document Number	202328315
Record Updated	Oct 29, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 12, 2023
Property Address	2964 ELLIS TOWN DR, TRACY, CA 95377-8929
Document Number	0000028315
Map Reference	MB 43 PG 169
Instrument Date	Mar 6, 2023
Instrument	2023-028315
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
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	2964 ELLIS TOWN DR, TRACY, CA 95377-8929

Mortgage

Document Number	0000028316
Date	Apr 12, 2023
Instrument	2023-028316

Lender

Name	SAFE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

Tax Assessment & Valuation

The 2026 property tax bill for 2964 Ellis Town Dr was $14,041 with a homeowner's exemption, down 3.4% 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	$14,041.00 (-3.39%)
2025	$14,534.00 Homeowner's exemption	$898,792 Land $275,706 Building $623,086
2023	$5,441.00 (+729.42%)	$62,424 Land $62,424	$779,580
2022	$656.00

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

FEMA maps place 2964 Ellis Town Dr in Zone X, an area of minimal flood risk.

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	3 in force

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 2964 Ellis Town Dr is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 68% of the US · above 43% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect 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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Matrix Broadband Fixed Wireless	200 / 40
Cal.net Fixed Wireless	100 / 20