389 W 23rd St, Tracy, CA 95376 Property Records

San Joaquin County property record for 389 W 23rd St, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1948
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Feb 2020)
Tax Bill	$5,022 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`233-041-070-000`

Property Details

APN / Parcel Number

Primary APN	`233-041-070-000`
Alternative APN	`233-041-07`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Garage Area	239 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	233-041-07
Street Address	389 W 23RD ST
City	TRACY
State	CA
Zip	95376-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	SUNSET PARK
Legal Block	2
Legal Lot Number	112
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2001
Census Tract	5303

Owner

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	2 Individual Names on Record
Mailing Address	389 W 23RD ST, TRACY, CA 95376-2540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit UNCLE CREDIT UNION
Mar 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNCLE CU
Feb 20, 2020	Grant Deed, Transfer OLD REPUBLIC TITLE
Jan 29, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF STOCKTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2020 · Amount on Record
Deed Sale	Feb 20, 2020 · Amount on Record
Deed Document Number	202022132
Prior Transfer Date	May 10, 1994
Prior Transfer Doc	0000080302
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 31, 2026
Property Address	389 W 23RD ST, TRACY, CA 95376-2540
Document Number	0000069785
Instrument Date	Jul 13, 2026
Instrument	202669785
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	PLACER TITLE ER, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 W 23RD ST, TRACY, CA 95376-2540

Mortgage

Document Number	0000069785,
Date	Jul 31, 2026
Instrument	202669785

Lender

Name	UNCLE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	389 W 23RD ST, TRACY, CA 95376-2540
Transaction Type	Mortgage
Record Updated	Apr 4, 2023
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 W 23RD ST, TRACY, CA 95376-2540

Mortgage

Document Number	0000021765
Date	Mar 21, 2023
Instrument	2023-021765

Lender

Name	UNCLE CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2038

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Feb 20, 2020
Property Address	389 W 23RD ST, TRACY, CA 95376-2540
Document Number	0000022132
Instrument Date	Feb 13, 2020
Instrument	22132
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$424.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	389 W 23RD ST TRACY CA 953762540, TRACY, CA 95376-2540

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	389 W 23RD ST, TRACY, CA 95376-2540
Document Number	0000014172
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	389 W 23RD ST TRACY CA 953762540, TRACY, CA 95376-2540

Mortgage

Document Number	0000014172
Date	Feb 6, 2018
Instrument	14172

Lender

Name	BANK OF STOCKTON
Type	Bank
Address	STOCKTON, CA 95201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$5,022.00
2025	$5,022.00 (+10.33%) Homeowner's exemption	$442,697 (+4.04%) Land $131,235 Building $311,462
2023	$4,552.00 (+2.11%) Homeowner's exemption	$425,508 Land $126,140 Building $299,368	$490,410
2022	$4,458.00

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

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	Not rated no burnable land within 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 565 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

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

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