523 Banff Ct, Tracy, CA 95377 Property Records

San Joaquin County property record for 523 Banff Ct, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,397 sqft · built 2002
Lot Size	0.136 acres (5,928 sqft)
Owner	Trust Name on File
Last Sale	$332,000 (May 2002)
Tax Bill	$6,348 (2026)
Deeds & Mortgages	May 2018 Line of Credit Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`240-220-650-000`

Property Details

APN / Parcel Number

Primary APN	`240-220-650-000`
Alternative APN	`240-220-65`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,397 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,928 sqft (0.136 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	240-220-65
Street Address	523 BANFF CT
City	TRACY
State	CA
Zip	95377-6642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13
Legal Subdivision	STERLING PARK
Legal Block	3
Legal Lot Number	13
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3013
Census Tract	5212

Owner

523 Banff Ct is owner-occupied and held in a trust since October 2017.

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

Owner of Record	Trust Name on File
Mailing Address	523 BANFF CT, TRACY, CA 95377-6642
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
May 21, 2018	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Oct 17, 2017	Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS
Oct 17, 2017	Quit Claim Deed, Transfer TSI ESCROW - CERRITOS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2002 · Amount on File
Deed Sale	May 30, 2002 · Amount on File
Deed Document Number	200292244
Last Transfer Date	Oct 6, 2017
Transfer Doc	0000120454
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	523 BANFF CT, TRACY, CA 95377-6642
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK CRS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055708
Date	May 21, 2018
Instrument	2018-055708

Lender

Name	UMPQUA BANK
Type	Bank
Address	ANTELOPE, CA 95843

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 17, 2017
Property Address	523 BANFF CT, TRACY, CA 95377-6642
Document Number	0000120454
Instrument Date	Oct 6, 2017
Instrument	120454
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	TSI ESCROW - CERRITOS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 BANFF CT TRACY CA 953776642, TRACY, CA 95377-6642

Mortgage

Document Number	120455
Date	Oct 17, 2017
Instrument	120455

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Oct 16, 2032

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 17, 2017
Property Address	523 BANFF CT, TRACY, CA 95377-6642
Document Number	0000120456
Instrument Date	Oct 6, 2017
Instrument	120456
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	TSI ESCROW - CERRITOS

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	523 BANFF CT TRACY CA 953776642, TRACY, CA 95377-6642

Tax Assessment & Valuation

The 2026 property tax bill for 523 Banff Ct was $6,348 with a homeowner's exemption, down 9.5% 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	$6,348.00 (-9.55%)
2025	$7,018.00 Homeowner's exemption	$490,163 Land $146,244 Building $343,919
2023	$6,423.00 (-2.12%) Homeowner's exemption	$471,131 Land $140,566 Building $330,565	$713,700
2022	$6,562.00

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

Flood

FEMA maps place 523 Banff Ct 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
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

The area around 523 Banff Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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