408 Cose Ln, Tracy, CA 95377 Property Records

San Joaquin County property record for 408 Cose Ln, Tracy, CA 95377 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,383 sqft · built 2020
Lot Size	0.169 acres (7,393 sqft)
Owner	Individual Name on File
Last Sale	$780,000 (Oct 2020)
Tax Bill	$9,010 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jan 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`248-690-070-000`

Property Details

APN / Parcel Number

Primary APN	`248-690-070-000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,383 sqft Living Area

Exterior

Year Built	Built 2020
Construction Type	Wood
Lot Area	7,393 sqft (0.169 acres)
Garage Type	Mixed
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	408 COSE LN
City	TRACY
State	CA
Zip	95377-7113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	08-FM PT OF 248-040-33 COSE LANE SUBDIVISION
Legal Subdivision	COSE LANE
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2011
Census Tract	5219

Owner

Source: San Joaquin County records · APN 248-690-070-000

Assessment roll updated July 1, 2025 · Last verified October 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	408 COSE LN, TRACY, CA 95377-7113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 08, 2023	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage PATELCO CU
Oct 28, 2020	Grant Deed, Transfer · Conventional Mortgage PATELCO CU
Sep 25, 2020	Grant Deed, Transfer OLD REPUBLIC TITLE
Jul 20, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE
May 17, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
May 17, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Prior Sale	Sep 25, 2020 · Amount on Record
Deed Document Number	2020-145463
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	408 COSE LN, TRACY, CA 95377-7113
Transaction Type	Mortgage
Record Updated	Mar 21, 2023
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 COSE LN, TRACY, CA 95377-7113

Mortgage

Document Number	0000018355
Date	Mar 08, 2023
Instrument	2023-018355

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Apr 30, 2048

Interest

Rate Type	Adjustable Rate
Rate	1.1%
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	408 COSE LN, TRACY, CA 95377-7113
Transaction Type	Mortgage
Record Updated	Feb 03, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 COSE LN, TRACY, CA 95377-7113

Mortgage

Document Number	0000008473
Date	Jan 20, 2022
Instrument	2022-008473

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 01, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year CMT
Max Rate	8.75%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 28, 2020
Property Address	408 COSE LN, TRACY, CA 95377-7113
Document Number	0000145463
Map Reference	MB 41 PG 53
Instrument Date	Oct 19, 2020
Instrument	2020-145463
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	Joint Tenants
Address	408 COSE LN, TRACY, CA 95377-7113

Mortgage

Document Number	0000145464
Date	Oct 28, 2020
Instrument	2020-145464

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Mortgage

Document Number	0000145465
Date	Oct 28, 2020
Instrument	2020-145465

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Nov 30, 2045

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 25, 2020
Property Address	408 COSE LN, TRACY, CA 95377-7113
Document Number	0000127049
Instrument Date	May 13, 2020
Instrument	127049
Transaction Type	Transfer
Record Updated	Oct 14, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$78.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5533 ALDEN LN LIVERMORE CA 94550, LIVERMORE, CA 94550

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 20, 2018
Property Address	408 COSE LN, TRACY, CA 95377-7113
Document Number	0000080447
Instrument Date	Jul 17, 2018
Instrument	80447
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2758 JACKSON AVE TRACY CA 953778515, TRACY, CA 95377-8515

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 17, 2018
Property Address	408 COSE LN, TRACY, CA 95377-7113
Document Number	0000054853
Instrument Date	May 07, 2018
Instrument	54853
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2758 JACKSON AVE TRACY CA 953778515, TRACY, CA 95377-8515

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 17, 2018
Property Address	408 COSE LN, TRACY, CA 95377-7113
Document Number	0000054852
Instrument Date	May 07, 2018
Instrument	54852
Transaction Type	Transfer
Record Updated	Jun 01, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2758 JACKSON AVE TRACY CA 953778515, TRACY, CA 95377-8515

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value
2025	$9,010.00 (+5.06%) Homeowner's exemption	$844,295 (+4.04%) Land $216,485 Building $627,810
2023	$8,576.00 (+1.84%) Homeowner's exemption	$811,512 Land $208,080 Building $603,432
2022	$8,421.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 611 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Zinnia Networks	Fixed Wireless (unlicensed)	600 / 120
UnWired Broadband Holding	Fixed Wireless (unlicensed)	400 / 50
Verizon	Fixed Wireless	300 / 20
Cal.net	Fixed Wireless (licensed-by-rule)	100 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: UnWired Broadband Holding, Cal.net. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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