326 W 12th St, Tracy, CA 95376 Property Records

San Joaquin County property record for 326 W 12th St, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 877 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jul 2020)
Tax Bill	$5,672 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`233-106-060-000`

Property Details

APN / Parcel Number

Primary APN	`233-106-060-000`
Alternative APN	`233-106-06`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	877 sqft Living Area
1st Floor Area	877 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,405 sqft (0.17 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	233-106-06
Street Address	326 W 12TH ST
City	TRACY
State	CA
Zip	95376-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSEDALE BLK 6 LOT 12
Legal Subdivision	ROSEDALE
Legal Block	4
Legal Lot Number	12
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	4
Census Block	4014
Census Tract	5303

Owner

Source: San Joaquin County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	326 W 12TH ST, TRACY, CA 95376-3402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Line of Credit SELF HELP FCU
Jul 9, 2020	Grant Deed, Transfer · Conventional with PMI SELF-HELP CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2020 · Amount on Record
Deed Sale	Jul 9, 2020 · Amount on Record
Prior Sale	May 2, 2006 · Amount on Record
Deed Document Number	202081848
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	326 W 12TH ST, TRACY, CA 95376-3402
Transaction Type	Mortgage
Record Updated	Jan 30, 2023
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 W 12TH ST, TRACY, CA 95376-3402

Mortgage

Document Number	0000004620
Date	Jan 19, 2023
Instrument	2023-004620

Lender

Name	SELF HELP FCU
Type	Credit Union
Address	SAN JOSE, CA 95127

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 18, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 9, 2020
Property Address	326 W 12TH ST, TRACY, CA 95376-3402
Document Number	0000081848
Instrument Date	Jul 7, 2020
Instrument	81848
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$391.00
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	326 W 12TH ST TRACY CA 953763402, TRACY, CA 95376-3402

Mortgage

Document Number	81849
Date	Jul 9, 2020
Instrument	81849

Lender

Name	SELF-HELP CU
Type	Credit Union
Address	DURHAM, NC 27701

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2050

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	$5,672.00 (+30.33%)
2025	$4,352.00 (+10.34%) Homeowner's exemption	$384,260 (+4.04%) Land $129,890 Building $254,370
2023	$3,944.00 (+2.1%) Homeowner's exemption	$369,342 Land $124,848 Building $244,494	$420,480
2022	$3,863.00

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 · 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
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2000 · other causes

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

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 628 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
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: Matrix Broadband.

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