4205 Maddy Ave, Tracy, CA 95377 Property Records

San Joaquin County property record for 4205 Maddy Ave, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,376 sqft · built 2023
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,236,000 (Aug 2024)
Tax Bill	$18,456 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`240-810-280-000`

Property Details

APN / Parcel Number

Primary APN	`240-810-280-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,376 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4205 MADDY AVE
City	TRACY
State	CA
Zip	95377-8939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 71 TOWN & COUNTRY TRACT 4007
Legal Subdivision	TOWN & COUNTRY
Legal Tract	4007
Legal Block	2
Legal Lot Number	71
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2073
Census Tract	5213

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 Record	2 Individual Names on Record
Mailing Address	4205 MADDY AVE, TRACY, CA 95377-8939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 25, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage PROVIDENT CU
Dec 15, 2023	Grant Deed, Transfer · Conventional Mortgage STAR ONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2024 · Amount on Record
Deed Sale	Aug 7, 2024 · Amount on Record
Prior Sale	Dec 15, 2023 · Amount on Record
Deed Document Number	202465846
Last Transfer Date	Mar 16, 2026
Transfer Doc	0000026701
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 15, 2026
Property Address	4205 MADDY AVE, TRACY, CA 95377-8939
Document Number	0000054127
Instrument Date	Jun 5, 2026
Instrument	202654127
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 MADDY AVE, TRACY, CA 95377-8939

Mortgage

Document Number	0000054127,
Date	Jun 15, 2026
Instrument	202654127

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 25, 2026
Property Address	4205 MADDY AVE, TRACY, CA 95377-8939
Document Number	0000026701
Map Reference	MB 43 PG 169
Instrument Date	Mar 16, 2026
Instrument	2026-026701
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	CHICAGO 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
Relationship	Community Property with Right of Survivorship
Address	4205 MADDY AVE, TRACY, CA 95377-8939

Mortgage

Document Number	0000026702
Date	Mar 25, 2026
Instrument	2026-026702

Lender

Name	PROVIDENT CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2031
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Margin	2
Max Rate	11%

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 15, 2023
Property Address	4205 MADDY AVE, TRACY, CA 95377-8939
Document Number	0000106253
Map Reference	MB 43 PG 169
Instrument Date	Dec 7, 2023
Instrument	2023-106253
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	4205 MADDY AVE, TRACY, CA 95377-8939

Mortgage

Document Number	0000106254
Date	Dec 15, 2023
Instrument	2023-106254

Lender

Name	STAR ONE CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year T-Bill
Max Rate	11.1%

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 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	Assessed Market Value
2026	$18,456.00 (+1.84%)
2025	$18,122.00 (+140.12%)	$1,236,000 (+369.44%) Land $200,000 Building $1,036,000
2023	$7,547.00 (+1,840.1%)	$263,292 Land $263,292	$1,401,030
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

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 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 Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Matrix Broadband Fixed Wireless	200 / 40

May also be available: Cal.net.

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