391 Defender Ln, Tracy, CA 95377 Property Records

San Joaquin County property record for 391 Defender Ln, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,888 sqft · built 2018
Lot Size	0.179 acres (7,838 sqft)
Owner	Individual Name on File
Last Sale	$990,000 (Oct 2022)
Tax Bill	$13,217 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240-720-140-000`

Property Details

APN / Parcel Number

Primary APN	`240-720-140-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,888 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Wood
Lot Area	7,838 sqft (0.179 acres)
Garage Type	Mixed
Garage Area	465 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	391 DEFENDER LN
City	TRACY
State	CA
Zip	95377-1187
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3015
Census Tract	5212

Owner

Source: San Joaquin County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	391 DEFENDER LN, TRACY, CA 95377-1187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	2022-115360
Record Updated	Jun 8, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 4, 2022
Property Address	391 DEFENDER LN, TRACY, CA 95377-1187
Document Number	0000115360
Map Reference	MB 42 PG 85
Instrument Date	Sep 26, 2022
Instrument	2022-115360
Transaction Type	Transfer
Record Updated	Oct 14, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1656 HOPE DR APT 1431, 1431, SANTA CLARA, CA 95054-1764

Mortgage

Document Number	0000115361
Date	Oct 4, 2022
Instrument	2022-115361

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	391 DEFENDER LN, TRACY, CA 95377-1187
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	STATES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 SLEEPING MEADOW WAY, SAN RAMON, CA 94582-5259

Mortgage

Document Number	0000164068
Date	Sep 30, 2021
Instrument	2021-164068

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$13,217.00 (+9.73%) Homeowner's exemption	$1,029,996 (+4.04%) Land $208,080 Building $821,916
2023	$12,045.00 (+33.27%) Homeowner's exemption	$990,000 Land $200,000 Building $790,000
2022	$9,038.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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

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 758 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Zinnia Networks Fixed Wireless	400 / 80
UnWired Broadband Holding Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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