4509 Margaret Adele Ln, Tracy, CA 95377 Property Records

San Joaquin County property record for 4509 Margaret Adele Ln, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,979 sqft · built 2020
Lot Size	0.189 acres (8,261 sqft)
Owner	Individual Name on File
Last Sale	$698,000 (Sep 2020)
Tax Bill	$13,315 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240-770-650-000`

Property Details

APN / Parcel Number

Primary APN	`240-770-650-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,979 sqft Living Area

Exterior

Year Built	Built 2020
Construction Type	Wood
Lot Area	8,261 sqft (0.189 acres)
Garage Type	Mixed
Garage Area	710 sqft
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4509 MARGARET ADELE LN
City	TRACY
State	CA
Zip	95377-8863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 143 ELLIS GARDENS - PHASE 2 TRACT NO 3906
Legal Tract	3906
Legal Lot Number	143
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2073
Census Tract	5213

Owner

Source: San Joaquin County records · APN 240-770-650-000

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4509 MARGARET ADELE LN, TRACY, CA 95377-8863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	2020-119586
Record Updated	Jun 08, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 14, 2020
Property Address	4509 MARGARET ADELE LN, TRACY, CA 95377-8863
Document Number	0000119586
Map Reference	MB 43 PG 83
Instrument Date	Sep 03, 2020
Instrument	2020-119586
Transaction Type	Transfer
Record Updated	Aug 03, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	4509 MARGARET ADELE LN, TRACY, CA 95377-8863

Mortgage

Document Number	0000119587
Date	Sep 14, 2020
Instrument	2020-119587

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$13,315.00 (+4.75%) Homeowner's exemption	$781,741 (+4.04%) Land $162,364 Building $619,377
2023	$12,711.00 (+4.3%) Homeowner's exemption	$751,387 Land $156,060 Building $595,327
2022	$12,187.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 27, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	High above 77% of the US · above 53% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
UnWired Broadband Holding Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Zinnia Networks Fixed Wireless	200 / 40
Cal.net Fixed Wireless	100 / 20

Based on FCC filings for 359 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF TRACY serves 98,215 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.