4185 Maddy Ave, Tracy, CA 95377 Property Records

San Joaquin County property record for 4185 Maddy Ave, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,914 sqft · built 2023
Lot Size	0.115 acres (5,018 sqft)
Owner	Individual Name on File
Last Sale	$1,284,000 (Jan 2024)
Tax Bill	$18,984 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`240-810-290-000`

Property Details

APN / Parcel Number

Primary APN	`240-810-290-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,914 sqft Living Area

Exterior

Year Built	Built 2023
Construction Type	Wood
Lot Area	5,018 sqft (0.115 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4185 MADDY AVE
City	TRACY
State	CA
Zip	95377-8938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 72 TOWN & COUNTRY TRACT 4007
Legal Tract	4007
Legal Lot Number	72
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2073
Census Tract	5213

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
Mailing Address	4185 MADDY AVE, TRACY, CA 95377-8938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jan 4, 2024	Grant Deed, Transfer · Conventional Mortgage SAFE CU
Jan 4, 2024	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 4, 2024 · Amount on Record
Deed Sale	Jan 4, 2024 · Amount on Record
Prior Sale	Jan 4, 2024 · Amount on Record
Deed Document Number	2024-000873
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	4185 MADDY AVE, TRACY, CA 95377-8938
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4185 MADDY AVE, TRACY, CA 95377-8938

Mortgage

Document Number	0000006173
Date	Jan 23, 2026
Instrument	2026-006173

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Feb 1, 2031
Change Frequency	Monthly
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	SOFR Average 30-Day
Max Rate	10.3%

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 4, 2024
Property Address	4185 MADDY AVE, TRACY, CA 95377-8938
Document Number	0000000873
Map Reference	MB 43 PG 169
Instrument Date	Jan 3, 2024
Instrument	2024-000873
Transaction Type	Transfer
Record Updated	Jan 16, 2024
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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
Address	4185 MADDY AVE, TRACY, CA 95377-8938

Mortgage

Document Number	0000000875
Date	Jan 4, 2024
Instrument	2024-000875

Lender

Name	SAFE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 4, 2024
Property Address	4185 MADDY AVE, TRACY, CA 95377-8938
Document Number	0000000874
Map Reference	MB 43 PG 169
Instrument Date	Jan 3, 2024
Instrument	2024-000874
Transaction Type	Transfer
Record Updated	Jan 16, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4185 MADDY AVE, TRACY, CA 95377-8938

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
Secondary School District	Tracy Unified School District (9-12) (09 - 12)
Elementary School District	Jefferson Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$18,984.00 (+151.54%)	$1,309,547 (+397.37%) Land $204,000 Building $1,105,547
2023	$7,547.00 (+1,840.1%)	$263,292 Land $263,292
2022	$389.00

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.

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation at the parcel

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 9 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 / 250
UnWired Broadband Holding Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Zinnia Networks Fixed Wireless	200 / 40

May also be available: Cal.net.

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