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540 Morris Phelps Dr, Tracy, CA 95376 Property Records

San Joaquin County property record for 540 Morris Phelps Dr, Tracy, CA 95376 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,588 sqft · built 1992
Lot Size0.149 acres (6,500 sqft)
Owner2 Individual Names on File
Last Sale$653,000 (Jun 2026)
Tax Bill$8,467 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Jun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN242-200-240-000

Property Details

APN / Parcel Number

Primary APN242-200-240-000
Alternative APN
  • 242-200-24

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,588 sqft Living Area
1st Floor Area1,588 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleL-Shape
Construction TypeWood
Lot Area6,500 sqft (0.149 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Old Parcel Number242-200-24
Street Address540 MORRIS PHELPS DR
CityTRACY
StateCA
Zip95376-8736
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description92-FM PT OF 242-020-12 PER CIRCLE B RANCH ESTATES
Legal SubdivisionCIRCLE B RANCH ESTATES
Legal Tract2312
Legal Block4
Legal Lot Number47
JurisdictionSAN JOAQUIN CA
Township / Civil DivisionTRACY
Census Block Group4
Census Block4002
Census Tract5208

Owner

Source: San Joaquin County records · APN 242-200-240-000

Assessment roll updated September 24, 2025 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address540 MORRIS PHELPS DR, TRACY, CA 95376-8736
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 25, 2026Grant Deed, Transfer · Conventional Mortgage
PROVIDENT FUNDING
Jun 30, 2021Grant Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 25, 2026 · Amount on Record
Deed SaleJun 25, 2026 · Amount on Record
Prior SaleJun 30, 2021 · Amount on Record
Deed Document Number202657761
Prior Transfer DateNov 16, 2016
Prior Transfer Doc0000145423
Record UpdatedSep 20, 2026

June 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateJun 25, 2026
Property Address540 MORRIS PHELPS DR, TRACY, CA 95376-8736
Document Number0000057761
Instrument DateJun 17, 2026
Instrument202657761
Transaction TypeTransfer
Record UpdatedJul 14, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$72,548.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address540 MORRIS PHELPS DR, TRACY, CA 95376-8736

Mortgage

Document Number0000057762,
DateJun 25, 2026
Instrument202657762
Lender
NamePROVIDENT FUNDING
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeFixed Rate
Rate6.36%
Initial TypeFixed Rate
Max Rate-1%

June 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN JOAQUIN CA
Recording DateJun 30, 2021
Property Address540 MORRIS PHELPS DR, TRACY, CA 95376-8736
Document Number0000111054
Map ReferenceMB 30 PG 102
Instrument DateJun 16, 2021
Instrument2021-111054
Transaction TypeTransfer
Record UpdatedJul 13, 2021
Title CompanyNORTH AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address540 MORRIS PHELPS DR, TRACY, CA 95376-8736

Mortgage

Document Number0000111055
DateJun 30, 2021
Instrument2021-111055
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated September 24, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Joaquin County
MunicipalityTracy City
Unified School DistrictTracy Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$8,467.00 (+10.16%)$719,815 (+4.04%) Land $129,890 Building $589,925
2023$7,686.00 (+2.09%)$691,866 Land $124,848 Building $567,018$629,280
2022$7,529.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060770052084, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 522 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Zinnia NetworksFixed Wireless (unlicensed)600 / 120
UnWired Broadband HoldingFixed Wireless (unlicensed)400 / 50
Cal.netFixed Wireless (licensed-by-rule)100 / 20
AT&TDSL100 / 20

May also be available at this address: Verizon, AT&T, UnWired Broadband Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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