San Joaquin County property record for 4286 Bonsai Dr, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,672 sqft · built 2019 |
| Lot Size | 0.082 acres (3,600 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $7,103 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 248-560-700-000 |
| Primary APN | 248-560-700-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,672 sqft Living Area |
| Year Built | Built 2019 |
|---|---|
| Architectural Style | Other |
| Construction Type | Wood |
| Lot Area | 3,600 sqft (0.082 acres) |
| Garage Type | Mixed |
| Garage Area | 434 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 4286 BONSAI DR |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95377-8447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 72 BROOKVIEW II, TRACT #3952 |
| Legal Tract | 3952 |
| Legal Lot Number | 72 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 5219 |
Source: San Joaquin County records, as of September 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 4286 BONSAI DR, TRACY, CA 95377-8447 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 6, 2020 | Quit Claim Deed, Transfer QUICKEN LNS |
| Apr 17, 2019 | Grant Deed, Transfer UNITED WHOLESALE MTG |
| Deed Names | 3 Names on Deed |
|---|---|
| Prior Sale | Feb 6, 2020 |
| Last Transfer Date | Apr 14, 2025 |
| Transfer Doc | 0000030597 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 4286 BONSAI DR, TRACY, CA 95377-8447 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2022 |
| Title Company | WFG NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4286 BONSAI DR, TRACY, CA 95377-8447 |
| Document Number | 0000164391 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 2021-164391 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 4286 BONSAI DR, TRACY, CA 95377-8447 |
| Document Number | 0000142875 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4286 BONSAI DR TRACY CA 953778447, TRACY, CA 95377-8447 |
| Document Number | 0000142875 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 142875 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Feb 6, 2020 |
| Property Address | 4286 BONSAI DR, TRACY, CA 95377-8447 |
| Document Number | 0000016204 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 16204 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE CO LOS AN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4286 BONSAI DR TRACY CA 953778447, TRACY, CA 95377-8447 |
| Document Number | 16205 |
|---|---|
| Date | Feb 6, 2020 |
| Instrument | 16205 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 5, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Apr 17, 2019 |
| Property Address | 4286 BONSAI DR, TRACY, CA 95377-8447 |
| Document Number | 0000038435 |
| Instrument Date | Apr 16, 2019 |
| Instrument | 38435 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $644.60 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4564 CERRITOS AVE FREMONT CA 945365555, FREMONT, CA 94536-5555 |
| Document Number | 38436 |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 38436 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 16, 2049 |
Source: San Joaquin County assessment roll, as of July 1, 2025
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,103.00 (+5.09%) Homeowner's exemption | $653,454 (+4.04%) Land $167,325 Building $486,129 |
| 2023 | $6,759.00 (+1.85%) Homeowner's exemption | $628,082 Land $160,829 Building $467,253 |
| 2022 | $6,636.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Matrix Broadband Fixed Wireless | 600 / 120 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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