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409 Toni Ln, Tracy, CA 95376 Property Records

San Joaquin County property record for 409 Toni Ln, Tracy, CA 95376

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,817 sqft · built 1998
Lot Size0.085 acres (3,705 sqft)
Owner2 Individual Names on Record
Last Sale$435,000 (Jan 2020)
Tax Bill$5,655 (2026)
Deeds & MortgagesOct 2020 Mortgage
Jan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN213-350-300-000

Property Details

APN / Parcel Number

Primary APN213-350-300-000
Alternative APN
  • 213-350-30

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,817 sqft Living Area

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleL-Shape
Construction TypeWood
Lot Area3,705 sqft (0.085 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Old Parcel Number213-350-30
Street Address409 TONI LN
CityTRACY
StateCA
Zip95376-2065
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description96-FM PT OF 213-070-60 PER CALIFORNIA MIRAGE
Legal SubdivisionCALIFORNIA MIRAGE
Legal Tract2602
Legal Block1
Legal Lot Number30
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionTRACY
Census Block Group1
Census Block1001
Census Tract5310

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 Record2 Individual Names on Record
Mailing Address409 TONI LN, TRACY, CA 95376-2065
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jan 24, 2020Grant Deed, Transfer · Conventional Mortgage
AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 24, 2020 · Amount on Record
Deed SaleJan 24, 2020 · Amount on Record
Prior SaleMay 20, 1998 · Amount on Record
Deed Document Number202010172
Prior Transfer DateJan 20, 2006
Prior Transfer Doc0000017818
Record UpdatedOct 29, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address409 TONI LN, TRACY, CA 95376-2065
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 TONI LN, TRACY, CA 95376-2065

Mortgage

Document Number0000141592
DateOct 22, 2020
Instrument2020-141592
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateJan 24, 2020
Property Address409 TONI LN, TRACY, CA 95376-2065
Document Number0000010172
Map ReferenceVOL 32 PG 71
Instrument DateJan 17, 2020
Instrument2020-010172
Transaction TypeTransfer
Record UpdatedAug 3, 2021
Title CompanyCORNERSTONE TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address409 TONI LN, TRACY, CA 95376-2065

Mortgage

Document Number0000010173
DateJan 24, 2020
Instrument2020-010173
Lender
NameAMERIFIRST FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2050

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

TypeName
StateCalifornia
CountySan Joaquin County
MunicipalityTracy City
Unified School DistrictTracy Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,655.00 (+0.12%)
2025$5,648.00 (+10.03%) Homeowner's exemption$475,731 (+4.04%) Land $131,235 Building $344,496
2023$5,133.00 (+2.13%) Homeowner's exemption$457,260 Land $126,140 Building $331,120$575,370
2022$5,026.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 98.4% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemCITY OF TRACY
serves 98,215 people · EPA ID CA3910011
Water SourceSurface water
Last State InspectionNov 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 167 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
unWired Broadband
Fixed Wireless		400 / 50
Cal.net
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

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

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