438 W 20th St, Tracy, CA 95376 Property Records

San Joaquin County property record for 438 W 20th St, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,048 sqft · built 1946
Lot Size	0.127 acres (5,529 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Dec 2017)
Tax Bill	$4,237 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`233-045-040-000`

Property Details

APN / Parcel Number

Primary APN	`233-045-040-000`
Alternative APN	`233-045-04`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
1st Floor Area	1,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,529 sqft (0.127 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	233-045-04
Street Address	438 W 20TH ST
City	TRACY
State	CA
Zip	95376-2518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 128 LOT 11
Legal Subdivision	SUNSET PARK
Legal Tract	128
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2009
Census Tract	5303

Owner

438 W 20th St is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	438 W 20TH ST, TRACY, CA 95376-2518
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2019	Deed of Trust, Mortgage · FHA Mortgage WEST ONE CAPITAL GROUP INC
Jul 27, 2020	Deed of Trust, Mortgage · FHA Mortgage WESTERN EXPRESS LNDG
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage ZHIFANG MA
May 7, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 15, 2017	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on File
Deed Sale	Dec 15, 2017 · Amount on File
Prior Sale	Sep 28, 2004 · Amount on File
Deed Document Number	2017146902
Prior Transfer Date	Apr 4, 2006
Prior Transfer Doc	0000080557
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	438 W 20TH ST, TRACY, CA 95376-2518
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000135241
Date	Nov 21, 2019
Instrument	2019-135241

Lender

Name	WEST ONE CAPITAL GROUP INC
Type	Non-Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	438 W 20TH ST, TRACY, CA 95376-2518
Document Number	0000093082
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 W 20TH ST TRACY CA 953762518, TRACY, CA 95376-2518

Mortgage

Document Number	0000093082
Date	Jul 31, 2020
Instrument	93082

Lender

Name	WESTERN EXPRESS LNDG
Address	LAKE FOREST, CA 92630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	438 W 20TH ST, TRACY, CA 95376-2518
Document Number	0000059821
Instrument Date	May 28, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 EDGEWOOD DR LODI CA 952400535, LODI, CA 95240-0535

Mortgage

Document Number	0000059821
Date	Jun 7, 2019
Instrument	59821

Lender

Name	ZHIFANG MA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 7, 2018
Property Address	438 W 20TH ST, TRACY, CA 95376-2518
Document Number	0000050297
Instrument Date	May 4, 2018
Instrument	50297
Transaction Type	Transfer
Record Updated	May 15, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 W 20TH ST TRACY CA 953762518, TRACY, CA 95376-2518

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 15, 2017
Property Address	438 W 20TH ST, TRACY, CA 95376-2518
Document Number	0000146902
Map Reference	MAP11 PG114
Instrument Date	Dec 8, 2017
Instrument	2017-146902
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 W 20TH ST, TRACY, CA 95376-2518

Mortgage

Document Number	0000146903
Date	Dec 15, 2017
Instrument	2017-146903

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 438 W 20th St was $4,237.

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	$4,237.00 (-0.05%)
2025	$4,239.00	$367,512 Land $134,260 Building $233,252
2023	$3,845.00 (+4.17%)	$353,244 Land $129,048 Building $224,196	$396,180
2022	$3,691.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 438 W 20th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 438 W 20th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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 511 locations within half a mile, as of December 31, 2025

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

May also be available: Matrix Broadband.

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