San Joaquin County property record for 320 Mount Oso Ave, Tracy, CA 95376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,772 sqft · built 1990 |
| Lot Size | 0.14 acres (6,114 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,500 (Jun 2009) |
| Tax Bill | $3,753 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 235-260-440-000 |
| Primary APN | 235-260-440-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,772 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 6,114 sqft (0.14 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 235-260-44 |
|---|---|
| Street Address | 320 MOUNT OSO AVE |
| City | TRACY |
| State | CA |
| Zip | 95376-4643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 2134 LOT 44 |
| Legal Subdivision | QUAIL GLEN |
| Legal Tract | 2134 |
| Legal Block | 1 |
| Legal Lot Number | 44 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 5406 |
320 Mount Oso Ave is owned and occupied by an individual who bought it in June 2009.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 320 MOUNT OSO AVE, TRACY, CA 95376-4643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2009 · Amount on File |
| Deed Sale | Jun 24, 2009 · Amount on File |
| Prior Sale | Oct 25, 2007 · Amount on File |
| Deed Document Number | 200994315 |
| Prior Transfer Date | Jun 1, 2009 |
| Prior Transfer Doc | 0000094316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 320 MOUNT OSO AVE, TRACY, CA 95376-4643 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 320 MOUNT OSO AVE, TRACY, CA 95376-4643 |
| Document Number | 0000131301 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 2021-131301 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 215 Months |
| Due | Jul 1, 2039 |
The 2026 property tax bill for 320 Mount Oso Ave was $3,753, up 0.1% 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 | $3,753.00 (+0.05%) | ||
| 2025 | $3,751.00 | $305,825 Land $75,971 Building $229,854 | |
| 2023 | $3,411.00 (+2.13%) | $293,952 Land $73,022 Building $220,930 | $679,410 |
| 2022 | $3,340.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Mount Oso Ave 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 | 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.
The area around 320 Mount Oso Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 522 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Matrix Broadband Fixed Wireless | 600 / 120 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
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