San Joaquin County property record for 2992 Rugby Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,401 sqft · built 1999 |
| Lot Size | 0.14 acres (6,116 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Sep 2008) |
| Tax Bill | $4,614 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Jun 2024 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-390-410-000 |
| Primary APN | 238-390-410-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,401 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 6,116 sqft (0.14 acres) |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 238-390-41 |
|---|---|
| Street Address | 2992 RUGBY CT |
| City | TRACY |
| State | CA |
| Zip | 95377-7924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 41 |
| Legal Subdivision | PARK ATHERTON |
| Legal Block | 2 |
| Legal Lot Number | 41 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 5224 |
2992 Rugby Ct is owned and occupied by an individual who acquired it in March 2018.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2992 RUGBY CT, TRACY, CA 95377-7924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jun 24, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Aug 23, 2019 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Mar 29, 2018 | Quit Claim Deed, Transfer · Conventional with PMI MONSTERLOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2008 · Amount on File |
| Deed Sale | Sep 15, 2008 · Amount on File |
| Prior Sale | Apr 29, 2008 · Amount on File |
| Deed Document Number | 2008150148 |
| Last Transfer Date | Mar 16, 2018 |
| Transfer Doc | 0000035047 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2992 RUGBY CT, TRACY, CA 95377-7924 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2992 RUGBY CT, TRACY, CA 95377-7924 |
| Document Number | 0000073413 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 2022-073413 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2992 RUGBY CT, TRACY, CA 95377-7924 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2992 RUGBY CT, TRACY, CA 95377-7924 |
| Document Number | 0000051741 |
|---|---|
| Date | Jun 24, 2024 |
| Instrument | 2024-051741 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 2992 RUGBY CT, TRACY, CA 95377-7924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|
| Document Number | 0000091267 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 2019-091267 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 29, 2018 |
| Property Address | 2992 RUGBY CT, TRACY, CA 95377-7924 |
| Document Number | 0000035047 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 35047 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2018 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2992 RUGBY CT TRACY CA 953777924, TRACY, CA 95377-7924 |
| Document Number | 35048 |
|---|---|
| Date | Mar 29, 2018 |
| Instrument | 35048 |
| Name | MONSTERLOANS |
|---|---|
| Address | LAKE FOREST, CA 92630 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 28, 2048 |
The 2026 property tax bill for 2992 Rugby Ct was $4,614 with a homeowner's exemption, up % 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 | $4,614.00 (+0.04%) | ||
| 2025 | $4,612.00 Homeowner's exemption | $392,745 Land $117,178 Building $275,567 | |
| 2023 | $4,186.00 (+2.15%) Homeowner's exemption | $377,496 Land $112,629 Building $264,867 | $710,550 |
| 2022 | $4,098.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2992 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 2992 Rugby Ct 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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