31415 S Koster Rd, Tracy, CA 95304 Property Records

San Joaquin County property record for 31415 S Koster Rd, Tracy, CA 95304

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,419 sqft · built 1925
Lot Size	0.498 acres (21,729 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Aug 2022)
Tax Bill	$9,213 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`255-310-300-000`

Property Details

APN / Parcel Number

Primary APN	`255-310-300-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,419 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1975
Architectural Style	Other
Construction Type	Wood
Lot Area	21,729 sqft (0.498 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	31415 S KOSTER RD
City	TRACY
State	CA
Zip	95304-8824
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	19
Legal Description	REDRAW 901115 FR ORIG APN 255110231
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1005
Census Tract	5503

Owner

31415 S Koster Rd, a rural home, is owned and occupied by an individual who acquired it in January 2025.

Source: San Joaquin County records, as of September 29, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	31415 S KOSTER RD, TRACY, CA 95304-8824
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Grant Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Jan 14, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 24, 2019	Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on File
Deed Sale	Aug 12, 2022 · Amount on File
Prior Sale	Aug 12, 2022 · Amount on File
Deed Document Number	0000096272
Last Transfer Date	Jan 14, 2025
Transfer Doc	0000003301
Record Updated	Jun 7, 2026

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 12, 2022
Property Address	31415 S KOSTER RD, TRACY, CA 95304-8824
Document Number	0000096272
Instrument Date	Aug 5, 2022
Instrument	2022-096272
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	31415 S KOSTER RD, TRACY, CA 95304-8824
Investor	Possibly a Property Investor

Mortgage

Document Number	0000096273
Date	Aug 12, 2022
Instrument	2022-096273

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 14, 2022
Property Address	31415 S KOSTER RD, TRACY, CA 95304-8824
Document Number	0000006371
Instrument Date	Jan 10, 2022
Instrument	2022-006371
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	23030 HANSEN RD, TRACY, CA 95304-9719

Mortgage

Document Number	0000006372
Date	Jan 14, 2022
Instrument	2022-006372

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 24, 2019
Property Address	31415 S KOSTER RD, TRACY, CA 95304-8824
Document Number	0000053893
Instrument Date	May 9, 2019
Instrument	2019-053893
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CALATLANTIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	31415 S KOSTER RD, TRACY, CA 95304-8824

Mortgage

Document Number	0000053894
Date	May 24, 2019
Instrument	2019-053894

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 31415 S Koster Rd was $9,213.

Source: San Joaquin County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Secondary School District	Tracy Unified School District (9-12) (09 - 12)
Elementary School District	New Jerusalem Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,213.00	$697,068 Land $369,342 Building $327,726
2023	$6,055.00 (+11.35%)	$498,570 Land $171,550 Building $327,020
2022	$5,438.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 31415 S Koster Rd 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 31415 S Koster Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ezWave Fixed Wireless	1,000 / 200
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 Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Xfinity.

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