505 Cumberland Dr, Tracy, CA 95376 Property Records

San Joaquin County property record for 505 Cumberland Dr, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,094 sqft · built 1984
Lot Size	0.198 acres (8,613 sqft)
Owner	Individual Name on File
Last Sale	$458,000 (Apr 2018)
Tax Bill	$6,002 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`234-170-190-000`

Property Details

APN / Parcel Number

Primary APN	`234-170-190-000`
Alternative APNs	`234-170-19` `23150059`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,094 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,613 sqft (0.198 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	234-170-19
Street Address	505 CUMBERLAND DR
City	TRACY
State	CA
Zip	95376-4936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REDRAWN JAN-12-1994 FROM ORIGINAL APN 231-500-59
Legal Subdivision	TENNIS VISTA
Legal Block	1
Legal Lot Number	106
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1015
Census Tract	5403

Owner

505 Cumberland Dr is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	505 CUMBERLAND DR, TRACY, CA 95376-4936
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
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Jun 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage SCENIC OAKS FUNDING
Apr 6, 2018	Grant Deed, Transfer · Conventional Mortgage SCENIC OAKS FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2018 · Amount on File
Deed Sale	Apr 6, 2018 · Amount on File
Deed Document Number	201838448
Prior Transfer Date	Aug 4, 2014
Prior Transfer Doc	0000077523
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	505 CUMBERLAND DR, TRACY, CA 95376-4936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 CUMBERLAND DR, TRACY, CA 95376-4936

Mortgage

Document Number	0000180644
Date	Dec 22, 2020
Instrument	2020-180644

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

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

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	505 CUMBERLAND DR, TRACY, CA 95376-4936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORNERSTONE TTL CO PLEASANT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 CUMBERLAND DR, TRACY, CA 95376-4936

Mortgage

Document Number	0000067006
Date	Jun 26, 2019
Instrument	2019-067006

Lender

Name	SCENIC OAKS FUNDING
Type	Lending Institution
Address	MODESTO, CA 95350

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 6, 2018
Property Address	505 CUMBERLAND DR, TRACY, CA 95376-4936
Document Number	0000038448
Map Reference	MB 25 PG 72
Instrument Date	Apr 2, 2018
Instrument	2018-038448
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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
Relationship	Joint Tenants
Address	505 CUMBERLAND DR, TRACY, CA 95376-4936

Mortgage

Document Number	0000038449
Date	Apr 6, 2018
Instrument	2018-038449

Lender

Name	SCENIC OAKS FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 505 Cumberland Dr was $6,002.

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	$6,002.00 (-0.03%)
2025	$6,004.00	$521,121 Land $136,537 Building $384,584
2023	$5,446.00 (+2.08%)	$500,887 Land $131,236 Building $369,651	$653,580
2022	$5,335.00

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

Flood

FEMA maps place 505 Cumberland Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 505 Cumberland Dr 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 97% of the US · lower than 97.8% 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 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Matrix Broadband, Verizon.

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