3405 Ernest Dr, Tracy, CA 95376 Property Records

San Joaquin County property record for 3405 Ernest Dr, Tracy, CA 95376 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,817 sqft · built 1998
Lot Size	0.089 acres (3,893 sqft)
Owner	2 Individual Names on File
Last Sale	$447,500 (Sep 2019)
Tax Bill	$5,886 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`213-350-590-000`

Property Details

APN / Parcel Number

Primary APN	`213-350-590-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,817 sqft Living Area

Exterior

Year Built	Built 1998
Architectural Style	Other
Construction Type	Wood
Lot Area	3,893 sqft (0.089 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3405 ERNEST DR
City	TRACY
State	CA
Zip	95376-2061
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	170
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1003
Census Tract	5310

Owner

Source: San Joaquin County records · APN 213-350-590-000

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	3405 ERNEST DR, TRACY, CA 95376-2061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Sep 27, 2019	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	May 12, 2016 · Amount on Record
Deed Document Number	2019-109812
Record Updated	Jun 07, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3405 ERNEST DR, TRACY, CA 95376-2061
Transaction Type	Mortgage
Record Updated	Nov 07, 2022
Title Company	MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 ERNEST DR, TRACY, CA 95376-2061

Mortgage

Document Number	0000123181
Date	Oct 26, 2022
Instrument	2022-123181

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3405 ERNEST DR, TRACY, CA 95376-2061
Transaction Type	Mortgage
Record Updated	Jun 15, 2021
Title Company	NORTH AMERICAN TITLE AGENCY, NORTH AMERICAN TTL CA TRACY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 ERNEST DR, TRACY, CA 95376-2061

Mortgage

Document Number	0000093345
Date	May 28, 2021
Instrument	2021-093345

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 27, 2019
Property Address	3405 ERNEST DR, TRACY, CA 95376-2061
Document Number	0000109812
Instrument Date	Sep 23, 2019
Instrument	109812
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$492.25
Amount Accuracy	Full Value
Additional	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	3405 ERNEST DR TRACY CA 953762061, TRACY, CA 95376-2061

Mortgage

Document Number	109813
Date	Sep 27, 2019
Instrument	109813

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value
2025	$5,886.00 (+1%)	$489,401 (+4.04%) Land $131,235 Building $358,166
2023	$5,351.00 (+2.1%)	$470,399 Land $126,140 Building $344,259
2022	$5,241.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 167 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
UnWired Broadband Holding	Fixed Wireless (unlicensed)	400 / 50
Cal.net	Fixed Wireless (licensed-by-rule)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Ayera Technologies, AT&T, Zinnia Networks, UnWired Broadband Holding, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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