San Joaquin County property record for 550 Czerny St, Tracy, CA 95376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,790 sqft · built 1990 |
| Lot Size | 0.1 acres (4,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (May 2009) |
| Tax Bill | $3,045 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 235-320-250-000 |
| Primary APN | 235-320-250-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,790 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 4,375 sqft (0.1 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 235-320-25 |
|---|---|
| Street Address | 550 CZERNY ST |
| City | TRACY |
| State | CA |
| Zip | 95376-5432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 90-FM PT OF 235-140-05 |
| Legal Subdivision | PHEASANT CROSSING |
| Legal Tract | 2285 |
| Legal Block | 3 |
| Legal Lot Number | 25 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 5405 |
550 Czerny St is owned and occupied by two individuals who bought it in May 2009.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 550 CZERNY ST, TRACY, CA 95376-5432 |
| 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.
| Date | Document |
|---|---|
| Jan 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Oct 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2009 · Amount on File |
| Deed Sale | May 8, 2009 · Amount on File |
| Prior Sale | Feb 6, 2009 · Amount on File |
| Deed Document Number | 200969571 |
| Prior Transfer Date | Jan 22, 2009 |
| Prior Transfer Doc | 0000022034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 550 CZERNY ST, TRACY, CA 95376-5432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2026 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 550 CZERNY ST, TRACY, CA 95376-5432 |
| Document Number | 0000005303 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 2026-005303 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 550 CZERNY ST, TRACY, CA 95376-5432 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | NAT |
| Name | Verified Name |
|---|
| Document Number | 0000117514 |
|---|---|
| Date | Oct 10, 2017 |
| Instrument | 2017-117514 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2026 property tax bill for 550 Czerny St was $3,045 with a homeowner's exemption, up 0.2% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,045.00 (+0.16%) | ||
| 2025 | $3,040.00 Homeowner's exemption | $251,097 Land $61,807 Building $189,290 | |
| 2023 | $2,763.00 (+2.14%) Homeowner's exemption | $241,349 Land $59,408 Building $181,941 | $524,610 |
| 2022 | $2,705.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 550 Czerny St 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 risk around 550 Czerny St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 453 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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