San Joaquin County property record for 2974 Ferndown Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,048 sqft · built 1999 |
| Lot Size | 0.131 acres (5,702 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Mar 2005) |
| Tax Bill | $5,505 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-390-140-000 |
| Primary APN | 238-390-140-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 5,702 sqft (0.131 acres) |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 238-390-14 |
|---|---|
| Street Address | 2974 FERNDOWN LN |
| City | TRACY |
| State | CA |
| Zip | 95377-7926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 |
| Legal Subdivision | PARK ATHERTON |
| Legal Block | 2 |
| Legal Lot Number | 14 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 5224 |
2974 Ferndown Ln is owned and occupied by two individuals who bought it in March 2005.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2974 FERNDOWN LN, TRACY, CA 95377-7926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| May 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Apr 21, 2017 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2005 · Amount on File |
| Deed Sale | Mar 17, 2005 · Amount on File |
| Prior Sale | May 28, 1999 · Amount on File |
| Deed Document Number | 200561873 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2974 FERNDOWN LN, TRACY, CA 95377-7926 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Title Company | PROVIDENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 2974 FERNDOWN LN, TRACY, CA 95377-7926 |
| Document Number | 0000058793 |
|---|---|
| Date | May 6, 2022 |
| Instrument | 2022-058793 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2974 FERNDOWN LN, TRACY, CA 95377-7926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000045051 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 2017-045051 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Apr 10, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 2974 Ferndown Ln was $5,505 with a veteran's exemption, down 15.2% 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 | $5,505.00 (-15.2%) | ||
| 2025 | $6,492.00 Veteran's exemption | $724,789 Land $289,915 Building $434,874 | |
| 2023 | $5,974.00 (+0.62%) Disabled Person's exemption Veteran's exemption | $696,647 Land $278,658 Building $417,989 | $668,430 |
| 2022 | $5,937.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2974 Ferndown Ln 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 2974 Ferndown Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.03% 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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