540 W Schulte Rd, Tracy, CA 95376 Property Records

San Joaquin County property record for 540 W Schulte Rd, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,371 sqft · built 1986
Lot Size	0.457 acres (19,900 sqft)
Owner	2 Company Names on Record
Last Sale	$430,000 (Sep 2013)
Tax Bill	$5,999 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`246-020-400-000`

Property Details

APN / Parcel Number

Primary APN	`246-020-400-000`
Alternative APN	`246-020-40`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,371 sqft Living Area
1st Floor Area	2,371 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	19,900 sqft (0.457 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	246-020-40
Street Address	540 W SCHULTE RD
City	TRACY
State	CA
Zip	95376-9178
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MAP C5 35-39 LOT 64
Legal Subdivision	CENTENNIAL
Legal Block	1
Legal Lot Number	64
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1014
Census Tract	5208

Owner

Source: San Joaquin County records, as of September 24, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	540 W SCHULTE RD, TRACY, CA 95376-9178
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit VALLEY FIRST CU
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMEPLUS CORP
Jan 18, 2019	Quit Claim Deed, Transfer · Conventional with PMI HOMEPLUS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2013 · Amount on Record
Deed Sale	Sep 20, 2013 · Amount on Record
Deed Document Number	2013121089
Last Transfer Date	May 9, 2024
Transfer Doc	0000042604
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	540 W SCHULTE RD, TRACY, CA 95376-9178
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 W SCHULTE RD, TRACY, CA 95376-9178

Mortgage

Document Number	0000091877
Date	Nov 8, 2023
Instrument	2023-091877

Lender

Name	VALLEY FIRST CU
Type	Credit Union
Address	MODESTO, CA 95353

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	540 W SCHULTE RD, TRACY, CA 95376-9178
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112932
Date	Oct 4, 2019
Instrument	2019-112932

Lender

Name	HOMEPLUS CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 18, 2019
Property Address	540 W SCHULTE RD, TRACY, CA 95376-9178
Document Number	0000006660
Instrument Date	Jan 12, 2019
Instrument	6660
Transaction Type	Transfer
Record Updated	Feb 6, 2019
Title Company	FIRST AMERICAN TITLE

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	540 W SCHULTE RD TRACY CA 953769178, TRACY, CA 95376-9178

Mortgage

Document Number	6661
Date	Jan 18, 2019
Instrument	6661

Lender

Name	HOMEPLUS CORP
Address	2878 CAMINO DEL RIO S # 402, SAN DIEGO, CA 92108-3847

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2049

Tax Assessment & Valuation

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
2025	$5,999.00 (+10.3%)	$527,111 (+4.04%) Land $105,420 Building $421,691
2023	$5,439.00 (+2.1%) Homeowner's exemption	$506,644 Land $101,327 Building $405,317	$712,080
2022	$5,327.00

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

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	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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