San Joaquin County property record for 3227 Cathleen Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,443 sqft · built 2000 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $735,000 (Oct 2026) |
| Tax Bill | $7,589 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 238-370-390-000 |
| Primary APN | 238-370-390-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,443 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Old Parcel Number | 238-370-39 |
|---|---|
| Street Address | 3227 CATHLEEN LN |
| City | TRACY |
| State | CA |
| Zip | 95377-7945 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 145 |
| Legal Subdivision | WESTGATE |
| Legal Block | 3 |
| Legal Lot Number | 145 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 5211 |
3227 Cathleen Ln is owned and occupied by two individuals who bought it in October 2026.
Source: San Joaquin County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| 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 |
|---|---|
| Oct 6, 2026 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRIME CHOICE FUNDING INC |
| Mar 26, 2018 | Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Apr 18, 2017 | Grant Deed, Transfer · Conventional Mortgage PROVIDENT SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2026 · Amount on File |
| Deed Sale | Oct 6, 2026 · Amount on File |
| Prior Sale | Mar 26, 2018 · Amount on File |
| Deed Document Number | 202690195 |
| Prior Transfer Date | Jun 8, 2012 |
| Prior Transfer Doc | 0000074296 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 6, 2026 |
| Property Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Document Number | 0000090195 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 202690195 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Title Company | WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $81,658.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Investor | Possibly a Property Investor |
| Document Number | 0000090196, |
|---|---|
| Date | Oct 6, 2026 |
| Instrument | 202690196 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Document Number | 0000090031 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 2021-090031 |
| Name | PRIME CHOICE FUNDING INC |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 26, 2018 |
| Property Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Document Number | 0000033133 |
| Map Reference | DOC99036983 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 2018-033133 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Document Number | 0000033134 |
|---|---|
| Date | Mar 26, 2018 |
| Instrument | 2018-033134 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Apr 18, 2017 |
| Property Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Document Number | 0000043226 |
| Map Reference | VOL33 PG90 |
| Instrument Date | Apr 7, 2017 |
| Instrument | 2017-043226 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3227 CATHLEEN LN, TRACY, CA 95377-7945 |
| Document Number | 0000043227 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | 2017-043227 |
| Name | PROVIDENT SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2026 property tax bill for 3227 Cathleen Ln was $7,589, down 0.3% 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 | $7,589.00 (-0.32%) | ||
| 2025 | $7,613.00 | $620,111 Land $136,537 Building $483,574 | |
| 2023 | $6,862.00 (-7.81%) | $596,034 Land $131,236 Building $464,798 | $729,630 |
| 2022 | $7,443.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3227 Cathleen Ln in Zone X, an area of minimal flood risk.
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 risk around 3227 Cathleen Ln is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.08% 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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