San Joaquin County property record for 2972 Rugby Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,397 sqft · built 1999 |
| Lot Size | 0.123 acres (5,349 sqft) |
| Owner | Individual Name on File |
| Last Sale | $675,000 (Jan 2023) |
| Tax Bill | $8,246 (2026) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Jan 2023 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-390-390-000 |
| Primary APN | 238-390-390-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,397 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 5,349 sqft (0.123 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 238-390-39 |
|---|---|
| Street Address | 2972 RUGBY CT |
| City | TRACY |
| State | CA |
| Zip | 95377-7924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 39 |
| Legal Subdivision | PARK ATHERTON |
| Legal Block | 2 |
| Legal Lot Number | 39 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 5224 |
2972 Rugby Ct is owned by an individual who bought it in January 2023.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 201 TURK ST, 906, SAN FRANCISCO, CA 94102-3864 |
| Owner Type | Individual |
| Vesting | Surviving Spouse |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 4, 2023 | Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 4, 2023 | Quit Claim Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES |
| Jun 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES |
| Oct 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2023 · Amount on File |
| Deed Sale | Jan 4, 2023 · Amount on File |
| Prior Sale | Nov 15, 2013 · Amount on File |
| Deed Document Number | 2023563 |
| Prior Transfer Date | Dec 19, 2022 |
| Prior Transfer Doc | 0000000564 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jan 4, 2023 |
| Property Address | 2972 RUGBY CT, TRACY, CA 95377-7924 |
| Document Number | 0000000563 |
| Map Reference | MB 33 PG 88 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 2023-000563 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 TURK ST APT 906, 906, SAN FRANCISCO, CA 94102-3864 |
| Document Number | 0000000565 |
|---|---|
| Date | Jan 4, 2023 |
| Instrument | 2023-000565 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jan 4, 2023 |
| Property Address | 2972 RUGBY CT, TRACY, CA 95377-7924 |
| Document Number | 0000000564 |
| Map Reference | MB 33 PG 88 |
| Instrument Date | Dec 19, 2022 |
| Instrument | 2023-000564 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 TURK ST APT 906, 906, SAN FRANCISCO, CA 94102-3864 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2972 RUGBY CT, TRACY, CA 95377-7924 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2972 RUGBY CT, TRACY, CA 95377-7924 |
| Document Number | 0000051094 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 2021-051094 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | CONCORD, CA 94520 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2972 RUGBY CT, TRACY, CA 95377-7924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000064149 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | 2018-064149 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | CONCORD, CA 94520 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2972 RUGBY CT, TRACY, CA 95377-7924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000125508 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 2019-125508 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2026 property tax bill for 2972 Rugby Ct was $8,246.
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 | $8,246.00 | ||
| 2025 | $8,246.00 | $702,270 Land $208,080 Building $494,190 | |
| 2023 | $4,894.00 (+2.11%) | $435,830 Land $108,396 Building $327,434 | $696,780 |
| 2022 | $4,793.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2972 Rugby Ct 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 |
| Nearby Flood Policies | 1 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 risk around 2972 Rugby 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 741 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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