San Joaquin County property record for 388 Cose Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,049 sqft · built 1999 |
| Lot Size | 0.145 acres (6,320 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $213,090 (Sep 1999) |
| Tax Bill | $3,596 (2026) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 248-280-500-000 |
| Primary APN | 248-280-500-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,049 sqft Living Area |
| 1st Floor Area | 2,049 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 6,320 sqft (0.145 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 248-280-50 |
|---|---|
| Street Address | 388 COSE LN |
| City | TRACY |
| State | CA |
| Zip | 95377-7060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 48 |
| Legal Subdivision | GLENBRIAR ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 48 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 5219 |
Source: San Joaquin County records, as of October 13, 2026
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 |
|---|---|
| Mailing Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2024 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Mar 8, 2024 | Deed of Trust, Mortgage · Line of Credit SUMMIT LENDING |
| Jun 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOVEREIGN LENDING GROUP INC |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 1999 · Amount on Record |
| Deed Sale | Sep 16, 1999 · Amount on Record |
| Deed Document Number | 1999117599 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Document Number | 0000031787 |
|---|---|
| Date | Apr 17, 2024 |
| Instrument | 2024-031787 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 15, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2024 |
| Title Company | NC TITLE COMPANY, NETCO |
| Name | Verified Name |
|---|---|
| Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Document Number | 0000019333 |
|---|---|
| Date | Mar 8, 2024 |
| Instrument | 2024-019333 |
| Name | SUMMIT LENDING |
|---|---|
| Type | Non-Lending Institution |
| Address | HUNTINGTON BEACH, CA 92649 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Document Number | 0000103271 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 2021-103271 |
| Name | SOVEREIGN LENDING GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 388 COSE LN, TRACY, CA 95377-7060 |
| Document Number | 0000109882 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 2020-109882 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: San Joaquin County assessment roll, as of September 24, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,596.00 (+1.58%) | ||
| 2025 | $3,540.00 (+5.14%) Homeowner's exemption | $327,034 (+4.04%) Land $92,211 Building $234,823 | |
| 2023 | $3,367.00 (+1.91%) Homeowner's exemption | $314,336 Land $88,631 Building $225,705 | $664,560 |
| 2022 | $3,304.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 611 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Matrix Broadband Fixed Wireless | 600 / 120 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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