3565 Ernest Dr, Tracy, CA 95376 Property Records

San Joaquin County property record for 3565 Ernest Dr, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,234 sqft · built 1998
Lot Size	0.098 acres (4,253 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Sep 2014)
Tax Bill	$4,342 (2026)
Deeds & Mortgages	Sep 2021 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`213-350-510-000`

Property Details

APN / Parcel Number

Primary APN	`213-350-510-000`
Alternative APN	`213-350-51`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,234 sqft Living Area
1st Floor Area	1,234 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,253 sqft (0.098 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	213-350-51
Street Address	3565 ERNEST DR
City	TRACY
State	CA
Zip	95376-2062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2602 LOT 162
Legal Subdivision	CALIFORNIA MIRAGE
Legal Tract	2602
Legal Block	1
Legal Lot Number	162
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1003
Census Tract	5310

Owner

3565 Ernest Dr is owned and occupied by two individuals who bought it in September 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	3565 ERNEST DR, TRACY, CA 95376-2062
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2014 · Amount on File
Deed Sale	Sep 8, 2014 · Amount on File
Prior Sale	Jan 23, 2001 · Amount on File
Deed Document Number	201488669
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3565 ERNEST DR, TRACY, CA 95376-2062
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3565 ERNEST DR, TRACY, CA 95376-2062

Mortgage

Document Number	0000154068
Date	Sep 14, 2021
Instrument	2021-154068

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3565 ERNEST DR, TRACY, CA 95376-2062
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053202
Date	May 14, 2018
Instrument	2018-053202

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3565 Ernest Dr was $4,342, up 0.1% from the year before.

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	$4,342.00 (+0.12%)
2025	$4,337.00	$354,538 Land $124,087 Building $230,451
2023	$3,947.00 (+2.1%)	$340,772 Land $119,269 Building $221,503	$494,370
2022	$3,866.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3565 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.

Wildfire

Wildfire risk around 3565 Ernest Dr is low, with less than a 0.01% annual chance of 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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