San Joaquin County property record for 3245 Ernest Dr, Tracy, CA 95376
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,984 sqft · built 1997 |
| Lot Size | 0.085 acres (3,715 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Oct 2023) |
| Tax Bill | $7,208 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Jul 2021 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 213-361-310-000 |
| Primary APN | 213-361-310-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,984 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 3,715 sqft (0.085 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 213-361-31 |
|---|---|
| Street Address | 3245 ERNEST DR |
| City | TRACY |
| State | CA |
| Zip | 95376-2057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 96-FM PT OF 213-070-60 PER CALIFORNIA MIRAGE |
| Legal Subdivision | CALIFORNIA MIRAGE |
| Legal Tract | 2602 |
| Legal Block | 1 |
| Legal Lot Number | 72 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 5310 |
3245 Ernest Dr is owned by two individuals who bought it in October 2023.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2122 LANAI AVE, SAN JOSE, CA 95122-2315 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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, 2023 | Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Jul 27, 2021 | Grant Deed, Transfer · Conventional Mortgage ALAMEDA MORTGAGE CORP |
| Jun 23, 2017 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Sep 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 28, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2023 · Amount on File |
| Deed Sale | Oct 6, 2023 · Amount on File |
| Prior Sale | Jul 27, 2021 · Amount on File |
| Deed Document Number | 202380171 |
| Prior Transfer Date | Feb 13, 2018 |
| Prior Transfer Doc | 0000022611 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Oct 6, 2023 |
| Property Address | 3245 ERNEST DR, TRACY, CA 95376-2057 |
| Document Number | 0000080171 |
| Map Reference | VOL 32 PG 71 |
| Instrument Date | Oct 5, 2023 |
| Instrument | 2023-080171 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2023 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| 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 | Tenants in Common |
| Address | 2122 LANAI AVE, SAN JOSE, CA 95122-2315 |
| Document Number | 0000080172 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 2023-080172 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jul 27, 2021 |
| Property Address | 3245 ERNEST DR, TRACY, CA 95376-2057 |
| Document Number | 0000125587 |
| Map Reference | VOL 32 PG 71 |
| Instrument Date | Jul 21, 2021 |
| Instrument | 2021-125587 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Title Company | OLD REPUBLIC TITLE, 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 | 3245 ERNEST DR, TRACY, CA 95376-2057 |
| Document Number | 0000125588 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2021-125588 |
| Name | ALAMEDA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 3245 ERNEST DR, TRACY, CA 95376-2057 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000071880 |
|---|---|
| Date | Jun 23, 2017 |
| Instrument | 2017-071880 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 3245 ERNEST DR, TRACY, CA 95376-2057 |
| Document Number | 0000110948 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2019 |
| Title Company | AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3245 ERNEST DR TRACY CA 953762057, TRACY, CA 95376-2057 |
| Document Number | 0000110948 |
|---|---|
| Date | Oct 1, 2019 |
| Instrument | 110948 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 30, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 3245 ERNEST DR, TRACY, CA 95376-2057 |
| Document Number | 0000101894 |
| Instrument Date | Sep 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | BNT TITLE COMPANY/CA |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3245 ERNEST DR TRACY CA 953762057, TRACY, CA 95376-2057 |
| Document Number | 0000101894 |
|---|---|
| Date | Sep 12, 2018 |
| Instrument | 101894 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 11, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Feb 28, 2018 |
| Property Address | 3245 ERNEST DR, TRACY, CA 95376-2057 |
| Document Number | 0000022611 |
| Instrument Date | Feb 13, 2018 |
| Instrument | 22611 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2018 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3245 ERNEST DR TRACY CA 953762057, TRACY, CA 95376-2057 |
| Document Number | 22612 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 22612 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2048 |
The 2026 property tax bill for 3245 Ernest Dr was $7,208, down 7.1% 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 | $7,208.00 (-7.14%) | ||
| 2025 | $7,762.00 | $652,800 Land $193,800 Building $459,000 | |
| 2023 | $6,631.00 (+2.09%) | $588,540 Land $178,500 Building $410,040 | $560,610 |
| 2022 | $6,495.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3245 Ernest Dr 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.
The area around 3245 Ernest Dr 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 860 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 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: AT&T, Ayera Technologies, Matrix Broadband, T-Mobile, Verizon.
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