3295 Ernest Dr, Tracy, CA 95376 Property Records

San Joaquin County property record for 3295 Ernest Dr, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,724 sqft · built 1996
Lot Size	0.088 acres (3,873 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Oct 2009)
Tax Bill	$3,150 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-361-280-000`

Property Details

APN / Parcel Number

Primary APN	`213-361-280-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,724 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Other
Construction Type	Wood
Lot Area	3,873 sqft (0.088 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3295 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 Lot Number	69
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1001
Census Tract	5310

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3295 ERNEST DR, TRACY, CA 95376-2057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Mar 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2009 · Amount on Record
Deed Sale	Oct 15, 2009 · Amount on Record
Prior Sale	Jul 21, 2009 · Amount on Record
Deed Document Number	2009-150398
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3295 ERNEST DR, TRACY, CA 95376-2057
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3295 ERNEST DR, TRACY, CA 95376-2057

Mortgage

Document Number	0000181388
Date	Oct 29, 2021
Instrument	2021-181388

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3295 ERNEST DR, TRACY, CA 95376-2057
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3295 ERNEST DR, TRACY, CA 95376-2057

Mortgage

Document Number	0000047278
Date	Mar 16, 2021
Instrument	2021-047278

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3295 ERNEST DR, TRACY, CA 95376-2057
Document Number	0000031767
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Mar 28, 2017
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3295 ERNEST DR TRACY CA 953762057, TRACY, CA 95376-2057

Mortgage

Document Number	0000031767
Date	Mar 21, 2017
Instrument	31767

Lender

Name	MORTGAGE CAP
Type	Funding / Finance Company
Address	WEST LOS ANGELES, CA 90064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 20, 2037

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$3,150.00 (+9.87%) Homeowner's exemption	$258,149 (+4.04%) Land $64,536 Building $193,613
2023	$2,867.00 (+2.17%) Homeowner's exemption	$248,127 Land $62,031 Building $186,096
2022	$2,806.00

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

Flood

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Ayera Technologies, Matrix Broadband, Verizon.

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