489 Terra Nova Ct, Tracy, CA 95377 Property Records

San Joaquin County property record for 489 Terra Nova Ct, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,432 sqft · built 2003
Lot Size	0.145 acres (6,352 sqft)
Owner	Individual on Record
Last Sale	$465,000 (Aug 2016)
Tax Bill	$7,667 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`240-520-300-000`

Property Details

APN / Parcel Number

Primary APN	`240-520-300-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,432 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Architectural Style	Other
Construction Type	Wood
Lot Area	6,352 sqft (0.145 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	489 TERRA NOVA CT
City	TRACY
State	CA
Zip	95377-6725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	03-FM PT 240-030-21/STERLING PARK, UNIT NO . 6
Legal Subdivision	STERLING PARK UNIT #6
Legal Lot Number	30
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3015
Census Tract	5212

Owner

Source: San Joaquin County assessment roll, as of July 1, 2025

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	489 TERRA NOVA CT, TRACY, CA 95377-6725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2016 · Amount on Record
Deed Sale	Aug 12, 2016 · Amount on Record
Prior Sale	Aug 12, 2016 · Amount on Record
Deed Document Number	0000094237
Last Transfer Date	Oct 27, 2021
Transfer Doc	0000179889
Record Updated	Jun 7, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 27, 2021
Property Address	489 TERRA NOVA CT, TRACY, CA 95377-6725
Document Number	0000179889
Map Reference	MB 37 PG 24
Instrument Date	Oct 22, 2021
Instrument	2021-179889
Transaction Type	Transfer
Record Updated	Nov 11, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	489 TERRA NOVA CT, TRACY, CA 95377-6725

Mortgage

Document Number	0000179890
Date	Oct 27, 2021
Instrument	2021-179890

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	489 TERRA NOVA CT, TRACY, CA 95377-6725
Transaction Type	Mortgage
Record Updated	Apr 22, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 TERRA NOVA CT, TRACY, CA 95377-6725

Mortgage

Document Number	0000062165
Date	Apr 8, 2021
Instrument	2021-062165

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$7,667.00 (+9.29%)	$539,667 (+4.04%) Land $189,173 Building $350,494
2023	$7,015.00 (-1.79%)	$518,713 Land $181,828 Building $336,885
2022	$7,143.00

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

Flood

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	1 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.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 758 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Matrix Broadband Fixed Wireless	400 / 80
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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