2972 Ironstone Dr, Tracy, CA 95377 Property Records

San Joaquin County property record for 2972 Ironstone Dr, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,648 sqft · built 2020
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$880,000 (Nov 2022)
Tax Bill	$11,781 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`253-530-050-000`

Property Details

APN / Parcel Number

Primary APN	`253-530-050-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,648 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,356 sqft (0.1 acres)
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2972 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 95 TRACY HILLS VILLAGE 7B, TRACT 3956
Legal Subdivision	TRACY HILLS VILLAGE 7B
Legal Tract	3956
Legal Block	1
Legal Lot Number	95
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1140
Census Tract	5502

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	2737 TRANQUILITY ST, SAN JOSE, CA 95122-2177
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Grant Deed, Transfer · Conventional Mortgage THE GOLDEN ONE CU
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2022 · Amount on Record
Deed Sale	Nov 14, 2022 · Amount on Record
Prior Sale	Jun 15, 2020 · Amount on Record
Deed Document Number	2022128571
Record Updated	Oct 29, 2026

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 14, 2022
Property Address	2972 IRONSTONE DR, TRACY, CA 95377-8158
Document Number	0000128571
Map Reference	MB 43 PG 85
Instrument Date	Nov 2, 2022
Instrument	2022-128571
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2737 TRANQUILITY ST, SAN JOSE, CA 95122-2177

Mortgage

Document Number	0000128572
Date	Nov 14, 2022
Instrument	2022-128572

Lender

Name	THE GOLDEN ONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	2972 IRONSTONE DR, TRACY, CA 95377-8158
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2972 IRONSTONE DR, TRACY, CA 95377-8158

Mortgage

Document Number	0000212942
Date	Dec 22, 2021
Instrument	2021-212942

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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
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	$11,781.00 (-7.13%)
2025	$12,685.00 (+4.87%) Homeowner's exemption	$915,552 (+4.04%) Land $260,100 Building $655,452
2023	$12,096.00 (+29.11%) Homeowner's exemption	$880,000 Land $250,000 Building $630,000	$779,310
2022	$9,369.00

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 · 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

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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