San Joaquin County property record for 4045 Maddy Ave, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,914 sqft · built 2024 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,227,500 (Mar 2024) |
| Tax Bill | $17,116 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 240-840-070-000 |
| Primary APN | 240-840-070-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,914 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 4045 MADDY AVE |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95377-8937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 79 TOWN & COUNTRY TRACT 4007 |
| Legal Subdivision | TOWN & COUNTRY |
| Legal Tract | 4007 |
| Legal Block | 2 |
| Legal Lot Number | 79 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 5213 |
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 | 4045 MADDY AVE, TRACY, CA 95377-8937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 14, 2024 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Feb 1, 2024 | Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2024 · Amount on Record |
| Deed Sale | Mar 14, 2024 · Amount on Record |
| Prior Sale | Feb 1, 2024 · Amount on Record |
| Deed Document Number | 202421520 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 4045 MADDY AVE, TRACY, CA 95377-8937 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Title Company | AMERICAN SW TITLE, AMERICAN COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 4045 MADDY AVE, TRACY, CA 95377-8937 |
| Document Number | 0000014822 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | 2026-014822 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Mar 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.2% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Mar 14, 2024 |
| Property Address | 4045 MADDY AVE, TRACY, CA 95377-8937 |
| Document Number | 0000021520 |
| Map Reference | MB 43 PG 169 |
| Instrument Date | Mar 12, 2024 |
| Instrument | 2024-021520 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 4045 MADDY AVE, TRACY, CA 95377-8937 |
| Document Number | 0000021521 |
|---|---|
| Date | Mar 14, 2024 |
| Instrument | 2024-021521 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.3% |
| Index | 1-Year T-Bill |
| Max Rate | 11.3% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Feb 1, 2024 |
| Property Address | 4045 MADDY AVE, TRACY, CA 95377-8937 |
| Document Number | 0000008537 |
| Map Reference | MB 43 PG 169 |
| Instrument Date | Feb 1, 2024 |
| Instrument | 2024-008537 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3130 CROW CANYON PL STE 325, 325, SAN RAMON, CA 94583-1140 |
| Investor | Possibly a Property Investor |
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 | $17,116.00 (-6.86%) | ||
| 2025 | $18,376.00 (+143.49%) | $1,252,035 (+375.53%) Land $204,000 Building $1,048,035 | |
| 2023 | $7,547.00 (+1,050.46%) | $263,292 Land $263,292 | $899,730 |
| 2022 | $656.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 48% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 359 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 2,000 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Matrix Broadband Fixed Wireless | 200 / 40 |
| Cal.net Fixed Wireless | 100 / 20 |
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