San Joaquin County property record for 4738 Bonsai Ave, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,588 sqft · built 2003 |
| Lot Size | 0.156 acres (6,790 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $710,000 (Sep 2026) |
| Tax Bill | $5,883 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 248-490-380-000 |
| Primary APN | 248-490-380-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,588 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 6,790 sqft (0.156 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 248-490-38 |
|---|---|
| Street Address | 4738 BONSAI AVE |
| City | TRACY |
| State | CA |
| Zip | 95377-8798 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 71 |
| Legal Subdivision | GARDEN SQUARE |
| Legal Block | 1 |
| Legal Lot Number | 71 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 5219 |
Source: San Joaquin County records, as of October 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 4738 BONSAI AVE, TRACY, CA 95377-8798 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Sep 23, 2026 | Grant Deed, Transfer OLD REPUBLIC TITLE |
| Jun 17, 2026 | Grant Deed, Transfer · Conventional Mortgage EMPIRE HOME LOANS |
| Nov 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jun 2, 2017 | Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2026 · Amount on Record |
| Deed Sale | Sep 23, 2026 · Amount on Record |
| Prior Sale | Jun 17, 2026 · Amount on Record |
| Deed Document Number | 202686182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Sep 23, 2026 |
| Property Address | 4738 BONSAI AVE, TRACY, CA 95377-8798 |
| Document Number | 0000086182 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202686182 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $78,881.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 4738 BONSAI AVE, TRACY, CA 95377-8798 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jun 17, 2026 |
| Property Address | 4738 BONSAI AVE, TRACY, CA 95377-8798 |
| Document Number | 0000055151 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202655151 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF CALIFORNIA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78,881.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4348 MATTHEW WAY, TRACY, CA 95377-8444 |
| Document Number | 0000055152, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202655152 |
| Name | EMPIRE HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 4738 BONSAI AVE, TRACY, CA 95377-8798 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000134615 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 2017-134615 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jun 2, 2017 |
| Property Address | 4738 BONSAI AVE, TRACY, CA 95377-8798 |
| Document Number | 0000062251 |
| Map Reference | VOL36 PG85 |
| Instrument Date | May 11, 2017 |
| Instrument | 2017-062251 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 4738 BONSAI AVE, TRACY, CA 95377-8798 |
| Document Number | 0000062252 |
|---|---|
| Date | Jun 2, 2017 |
| Instrument | 2017-062252 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2047 |
Source: San Joaquin County assessment roll, as of September 24, 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,883.00 (+1.57%) | $532,701 (+2%) Land $186,444 Building $346,257 | |
| 2025 | $5,792.00 (+5.04%) | $522,257 (+4.04%) Land $182,789 Building $339,468 | |
| 2023 | $5,514.00 (+1.87%) | $501,979 Land $175,692 Building $326,287 | $607,050 |
| 2022 | $5,413.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.04% 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 307 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 Fixed Wireless · DSL | 100 / 20 |
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