425 Cumberland Dr, Tracy, CA 95376 Property Records

San Joaquin County property record for 425 Cumberland Dr, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,094 sqft · built 1984
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$517,000 (Mar 2019)
Tax Bill	$6,564 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`234-170-160-000`

Property Details

APN / Parcel Number

Primary APN	`234-170-160-000`
Alternative APNs	`234-170-16` `23150062`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,094 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	12,632 sqft (0.29 acres)
Garage Area	686 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	234-170-16
Street Address	425 CUMBERLAND DR
City	TRACY
State	CA
Zip	95376-4937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 109
Legal Subdivision	TENNIS VISTA
Legal Block	1
Legal Lot Number	109
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1015
Census Tract	5403

Owner

Source: San Joaquin County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	425 CUMBERLAND DR, TRACY, CA 95376-4937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 26, 2019	Grant Deed, Transfer · VA Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Sep 27, 2010 · Amount on Record
Deed Document Number	201929537
Prior Transfer Date	Jul 14, 2010
Prior Transfer Doc	0000099708
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	425 CUMBERLAND DR, TRACY, CA 95376-4937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CUMBERLAND DR, TRACY, CA 95376-4937

Mortgage

Document Number	0000124704
Date	Sep 22, 2020
Instrument	2020-124704

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	May 1, 2049

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 26, 2019
Property Address	425 CUMBERLAND DR, TRACY, CA 95376-4937
Document Number	0000029537
Map Reference	DOC81012579
Instrument Date	Mar 18, 2019
Instrument	2019-029537
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	Joint Tenants
Address	425 CUMBERLAND DR, TRACY, CA 95376-4937

Mortgage

Document Number	0000029538
Date	Mar 26, 2019
Instrument	2019-029538

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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
Unified School District	Tracy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,564.00
2025	$6,564.00 (+10.3%) Homeowner's exemption	$576,719 (+4.04%) Land $133,860 Building $442,859
2023	$5,951.00 (+2.09%) Homeowner's exemption	$554,326 Land $128,663 Building $425,663	$672,210
2022	$5,829.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not 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 Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Matrix Broadband, Verizon.

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