3688 Moonlight Way, Tracy, CA 95377 Property Records

San Joaquin County property record for 3688 Moonlight Way, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1995
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Aug 2008)
Tax Bill	$4,014 (2026)
Deeds & Mortgages	Nov 2017 Line of Credit Aug 2019 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`244-140-040-000`

Property Details

APN / Parcel Number

Primary APN	`244-140-040-000`
Alternative APN	`244-140-04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
1st Floor Area	1,554 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,534 sqft (0.15 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	244-140-04
Street Address	3688 MOONLIGHT WAY
City	TRACY
State	CA
Zip	95377-8898
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	000002442TR 2442 VICTORIA GREENS U LOT 000004 MAP 000032 00004
Legal Subdivision	VICTORIA GREENS
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1006
Census Tract	5217

Owner

3688 Moonlight Way is owned and occupied by two individuals who bought it in August 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	3688 MOONLIGHT WAY, TRACY, CA 95377-8898
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 10, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Aug 27, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2008 · Amount on File
Deed Sale	Aug 22, 2008 · Amount on File
Prior Sale	May 8, 2008 · Amount on File
Deed Document Number	2008137990
Prior Transfer Date	May 5, 2008
Prior Transfer Doc	0000073752
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3688 MOONLIGHT WAY, TRACY, CA 95377-8898
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131560
Date	Nov 10, 2017
Instrument	2017-131560

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 3, 2047

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3688 MOONLIGHT WAY, TRACY, CA 95377-8898
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092661
Date	Aug 27, 2019
Instrument	2019-092661

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 27, 2034

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	3688 MOONLIGHT WAY, TRACY, CA 95377-8898
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3668 MOONLIGHT WAY, TRACY, CA 95377-8898

Mortgage

Document Number	0000106456
Date	Aug 24, 2020
Instrument	2020-106456

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3688 Moonlight Way was $4,014 with a homeowner's exemption, up 1.6% 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
Secondary School District	Tracy Unified School District (9-12) (09 - 12)
Elementary School District	Jefferson Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,014.00 (+1.59%)
2025	$3,951.00 Homeowner's exemption	$361,746 Land $96,575 Building $265,171
2023	$3,758.00 (+1.9%) Homeowner's exemption	$347,701 Land $92,826 Building $254,875	$583,740
2022	$3,688.00

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

Flood

FEMA maps place 3688 Moonlight Way 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 3688 Moonlight Way is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 679 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Matrix Broadband Fixed Wireless	600 / 120
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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