305 W 23rd St, Tracy, CA 95376 Property Records

San Joaquin County property record for 305 W 23rd St, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,473 sqft · built 1948
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Mar 2018)
Tax Bill	$4,642 (2026)
Deeds & Mortgages	Feb 2026 Mortgage May 2022 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`233-041-140-000`

Property Details

APN / Parcel Number

Primary APN	`233-041-140-000`
Alternative APN	`233-041-14`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,473 sqft Living Area
1st Floor Area	1,473 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	233-041-14
Street Address	305 W 23RD ST
City	TRACY
State	CA
Zip	95376-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 119
Legal Subdivision	SUNSET PARK
Legal Block	2
Legal Lot Number	119
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2001
Census Tract	5303

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	Individual Name on Record
Mailing Address	305 W 23RD ST, TRACY, CA 95376-2540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
May 3, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SEQUOIA FCU
Mar 25, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 28, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Feb 28, 2020	Deed of Trust, Mortgage · FHA Mortgage METROPOLITAN HOME MORTGAGE INC
Mar 6, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Mar 6, 2018	Grant Deed, Transfer · FHA Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2018 · Amount on Record
Deed Sale	Mar 6, 2018 · Amount on Record
Prior Sale	Jul 20, 2001 · Amount on Record
Deed Document Number	201825211
Prior Transfer Date	Mar 2, 2018
Prior Transfer Doc	0000025210
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	305 W 23RD ST, TRACY, CA 95376-2540
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W 23RD ST, TRACY, CA 95376-2540

Mortgage

Document Number	0000014673
Date	Feb 23, 2026
Instrument	2026-014673

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year T-Bill
Margin	2
Max Rate	5%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	305 W 23RD ST, TRACY, CA 95376-2540
Transaction Type	Mortgage
Record Updated	May 13, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W 23RD ST, TRACY, CA 95376-2540

Mortgage

Document Number	0000057079
Date	May 3, 2022
Instrument	2022-057079

Lender

Name	SEQUOIA FCU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	305 W 23RD ST, TRACY, CA 95376-2540
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W 23RD ST, TRACY, CA 95376-2540

Mortgage

Document Number	0000053125
Date	Mar 25, 2021
Instrument	2021-053125

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	305 W 23RD ST, TRACY, CA 95376-2540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W 23RD ST, TRACY, CA 95376-2540

Mortgage

Document Number	0000067784
Date	Jun 28, 2019
Instrument	2019-067784

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jul 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	305 W 23RD ST, TRACY, CA 95376-2540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025460
Date	Feb 28, 2020
Instrument	2020-025460

Lender

Name	METROPOLITAN HOME MORTGAGE INC
Type	Mortgage Company
Address	SANTA ANA, CA 92799

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 6, 2018
Property Address	305 W 23RD ST, TRACY, CA 95376-2540
Document Number	0000025210
Instrument Date	Mar 2, 2018
Instrument	25210
Transaction Type	Transfer
Record Updated	Mar 16, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	305 W 23RD ST TRACY CA 953762540, TRACY, CA 95376-2540

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 6, 2018
Property Address	305 W 23RD ST, TRACY, CA 95376-2540
Document Number	0000025211
Map Reference	MB 11 PG 114
Instrument Date	Mar 1, 2018
Instrument	2018-025211
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 W 23RD ST, TRACY, CA 95376-2540

Mortgage

Document Number	0000025212
Date	Mar 6, 2018
Instrument	2018-025212

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

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
Unified School District	Tracy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,642.00
2025	$4,642.00 (+10.31%) Homeowner's exemption	$409,613 (+4.04%) Land $136,537 Building $273,076
2023	$4,208.00 (+2.11%) Homeowner's exemption	$393,709 Land $131,236 Building $262,473	$499,680
2022	$4,121.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land 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 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Matrix Broadband.

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