San Joaquin County property record for 550 Gonzalez St, Tracy, CA 95376
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,637 sqft · built 1997 |
| Lot Size | 0.115 acres (4,990 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $630,000 (Aug 2023) |
| Tax Bill | $5,280 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 235-290-270-000 |
| Primary APN | 235-290-270-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,637 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Wood |
| Lot Area | 4,990 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 235-290-27 |
|---|---|
| Street Address | 550 GONZALEZ ST |
| City | TRACY |
| State | CA |
| Zip | 95376-5402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 2173 LOT 27 |
| Legal Subdivision | QUAIL RUN POR |
| Legal Tract | 2173 |
| Legal Block | 3 |
| Legal Lot Number | 27 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 5405 |
Source: San Joaquin County assessment roll, 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 Individuals on Record |
|---|---|
| Mailing Address | 550 GONZALEZ ST, TRACY, CA 95376-5402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jul 20, 2026 | Grant Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA |
| Aug 29, 2023 | Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2023 · Amount on Record |
| Deed Sale | Aug 29, 2023 · Amount on Record |
| Prior Sale | Apr 10, 2012 · Amount on Record |
| Deed Document Number | 202368499 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jul 20, 2026 |
| Property Address | 550 GONZALEZ ST, TRACY, CA 95376-5402 |
| Document Number | 0000065620 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202665620 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $68,326.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 550 GONZALEZ ST, TRACY, CA 95376-5402 |
| Document Number | 0000065621, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 202665621 |
| Name | HOMEOWNERS FINANCIAL GROUP USA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000065622, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 202665622 |
| Name | HOMEOWNERS FINANCIAL GROUP USA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 30 Months |
| Due | Sep 11, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Aug 29, 2023 |
| Property Address | 550 GONZALEZ ST, TRACY, CA 95376-5402 |
| Document Number | 0000068499 |
| Map Reference | VOL 29 PG 62 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023-068499 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 550 GONZALEZ ST, TRACY, CA 95376-5402 |
| Document Number | 0000068500 |
|---|---|
| Date | Aug 29, 2023 |
| Instrument | 2023-068500 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
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 |
|---|---|---|---|
| 2025 | $5,280.00 (+10.02%) | $439,199 (+4.04%) Land $135,136 Building $304,063 | |
| 2023 | $4,799.00 (+2.11%) | $422,146 Land $129,890 Building $292,256 | $553,950 |
| 2022 | $4,700.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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