425 E Carlton Way, Tracy, CA 95376 Property Records

San Joaquin County property record for 425 E Carlton Way, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 1957
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,263 (2025)
Deeds & Mortgages	Dec 2023 Reverse Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`233-401-150-000`

Property Details

APN / Parcel Number

Primary APN	`233-401-150-000`
Alternative APN	`233-401-15`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	233-401-15
Street Address	425 E CARLTON WAY
City	TRACY
State	CA
Zip	95376-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 435 LOT 15
Legal Subdivision	LINCOLN SQUARE
Legal Tract	435
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2004
Census Tract	5309

Owner

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

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 File
Mailing Address	425 E CARLTON WAY, TRACY, CA 95376-3117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Apr 24, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	425 E CARLTON WAY, TRACY, CA 95376-3117
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E CARLTON WAY, TRACY, CA 95376-3117

Mortgage

Document Number	0000105852
Date	Dec 15, 2023
Instrument	2023-105852

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	994 Months
Due	Oct 28, 2106

Interest

Rate Type	Adjustable Rate
Rate	7.7%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.7%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	425 E CARLTON WAY, TRACY, CA 95376-3117
Document Number	0000049347
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E CARLTON WAY TRACY CA 953763117, TRACY, CA 95376-3117

Mortgage

Document Number	0000049347
Date	May 3, 2018
Instrument	49347

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2025	$2,263.00 (+10.18%)	$195,416 (+4.04%) Land $101,957 Building $93,459
2023	$2,054.00 (+2.09%)	$187,830 Land $97,999 Building $89,831	$548,190
2022	$2,012.00

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 · 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
Nearby Flood Policies	1 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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
UnWired Broadband Holding Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Zinnia Networks.

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