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45 S Central Ave, Tracy, CA 95376 Property Records

San Joaquin County property record for 45 S Central Ave, Tracy, CA 95376 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,952 sqft · built 1989
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on File
Last Sale$487,000 (Mar 2020)
Tax Bill$6,492 (2025)
Deeds & MortgagesMay 2021 Mortgage
Nov 2017 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN235-430-250-000

Property Details

APN / Parcel Number

Primary APN235-430-250-000
Alternative APNs
  • 235-430-25
  • 23509070

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,952 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleL-Shape
Construction TypeWood
Roof MaterialOther
Lot Area6,970 sqft (0.16 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Old Parcel Number235-430-25
Street Address45 S CENTRAL AVE
CityTRACY
StateCA
Zip95376-4683
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionREDRAWN AUG-27-2008 FROM ORIGINAL APN 235-090-70
Legal SubdivisionMOUNTAIN VIEW ACRES
Legal Block1
Legal Lot Number34
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionTRACY
Census Block Group1
Census Block1031
Census Tract5406

Owner

Source: San Joaquin County records · APN 235-430-250-000

Assessment roll updated September 24, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address45 S CENTRAL AVE, TRACY, CA 95376-4683
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
May 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
MILLENNIAL HOME LENDING INC
Nov 21, 2017Deed of Trust, Mortgage · Conventional Mortgage
SUMMIT FUNDING INC
Mar 02, 2020Grant Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 02, 2020 · Amount on Record
Deed SaleMar 02, 2020 · Amount on Record
Prior SaleFeb 14, 2014 · Amount on Record
Deed Document Number202026611
Record UpdatedSep 20, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address45 S CENTRAL AVE, TRACY, CA 95376-4683
Transaction TypeMortgage
Record UpdatedMay 26, 2021
Title CompanyAMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 S CENTRAL AVE, TRACY, CA 95376-4683

Mortgage

Document Number0000083240
DateMay 12, 2021
Instrument2021-083240
Lender
NameMILLENNIAL HOME LENDING INC
TypeMortgage Company
AddressCHATSWORTH, CA 91311
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN JOAQUIN CA
Property Address45 S CENTRAL AVE, TRACY, CA 95376-4683
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyPLACER TITLE COMPANY AUBURN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000135842
DateNov 21, 2017
Instrument2017-135842
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
AddressSACRAMENTO, CA 95815
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2047

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateMar 02, 2020
Property Address45 S CENTRAL AVE, TRACY, CA 95376-4683
Document Number0000026611
Map ReferenceVOL 10 PG 19
Instrument DateFeb 27, 2020
Instrument2020-026611
Transaction TypeTransfer
Record UpdatedAug 03, 2021
Title CompanyOLD REPUBLIC TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address45 S CENTRAL AVE, TRACY, CA 95376-4683

Mortgage

Document Number0000026612
DateMar 02, 2020
Instrument2020-026612
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2050

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated September 24, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Joaquin County
MunicipalityTracy City
Unified School DistrictTracy Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,492.00 (+10.26%)$563,643 (+4.04%) Land $164,045 Building $399,598
2023$5,888.00 (+8.04%)$541,758 Land $157,676 Building $384,082$653,400
2022$5,450.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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