500 Covey Ln, Tracy, CA 95376 Property Records

San Joaquin County property record for 500 Covey Ln, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,342 sqft · built 1991
Lot Size	0.131 acres (5,696 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Oct 2025)
Tax Bill	$7,332 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Oct 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`235-360-010-000`

Property Details

APN / Parcel Number

Primary APN	`235-360-010-000`
Alternative APN	`235-360-01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,342 sqft Living Area
1st Floor Area	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,696 sqft (0.131 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	235-360-01
Street Address	500 COVEY LN
City	TRACY
State	CA
Zip	95376-4674
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	91-FM PT 235-100-38
Legal Subdivision	SCHULTE RANCH
Legal Tract	2346
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1036
Census Tract	5406

Owner

500 Covey Ln is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	500 COVEY LN, TRACY, CA 95376-4674
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
Mar 8, 2024	Deed of Trust, Mortgage · Line of Credit STANFORD FCU
Oct 24, 2025	Grant Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES
Mar 17, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Mar 16, 2021	Correction Deed · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jun 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 11, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2025 · Amount on File
Deed Sale	Oct 24, 2025 · Amount on File
Prior Sale	Feb 23, 1996 · Amount on File
Deed Document Number	202591196
Prior Transfer Date	Jun 17, 2014
Prior Transfer Doc	0000071871
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	500 COVEY LN, TRACY, CA 95376-4674
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 COVEY LN, TRACY, CA 95376-4674

Mortgage

Document Number	0000020059
Date	Mar 8, 2024
Instrument	2024-020059

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 15, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 24, 2025
Property Address	500 COVEY LN, TRACY, CA 95376-4674
Document Number	0000091196
Map Reference	VOL 30 PG 91
Instrument Date	Oct 20, 2025
Instrument	2025-091196
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 NE 4TH STREET #2300 # 2300, 2300, BELLEVUE, WA 98004
Investor	Possibly a Property Investor

Mortgage

Document Number	0000091197
Date	Oct 24, 2025
Instrument	2025-091197

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 17, 2021
Property Address	500 COVEY LN, TRACY, CA 95376-4674
Document Number	0000048446
Map Reference	MB 30 PG 91
Instrument Date	Mar 9, 2021
Instrument	2021-048446
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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	Revocable Trust
Address	500 COVEY LN, TRACY, CA 95376-4674

March 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 16, 2021
Property Address	500 COVEY LN, TRACY, CA 95376-4674
Document Number	0000047532
Map Reference	VOL 30 PG 91
Instrument Date	Mar 9, 2021
Instrument	2021-047532
Record Updated	May 30, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	500 COVEY LN, TRACY, CA 95376-4674

Mortgage

Document Number	0000047533
Date	Mar 16, 2021
Instrument	2021-047533

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 11, 2018
Property Address	500 COVEY LN, TRACY, CA 95376-4674
Document Number	0000063939
Instrument Date	Jun 1, 2018
Instrument	63939
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	500 COVEY LN TRACY CA 953764674, TRACY, CA 95376-4674

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 11, 2018
Property Address	500 COVEY LN, TRACY, CA 95376-4674
Document Number	0000063938
Instrument Date	Jun 1, 2018
Instrument	63938
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	500 COVEY LN TRACY CA 953764674, TRACY, CA 95376-4674

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	500 COVEY LN, TRACY, CA 95376-4674
Document Number	0000011229
Instrument Date	Jan 24, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	500 COVEY LN TRACY CA 953764674, TRACY, CA 95376-4674

Mortgage

Document Number	0000011229
Date	Feb 1, 2018
Instrument	11229

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 500 Covey Ln was $7,332 with a homeowner's exemption, up 138.4% from the year before.

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	$7,332.00 (+138.44%)
2025	$3,075.00 Homeowner's exemption	$253,984 Land $83,054 Building $170,930
2023	$2,795.00 (+2.19%) Homeowner's exemption	$244,124 Land $79,830 Building $164,294	$525,420
2022	$2,735.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 500 Covey Ln in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
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

Wildfire risk around 500 Covey Ln 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 99.1% of the US · lower than 99.2% 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 522 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
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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