5654 Oberon Ave, Tracy, CA 95377 Property Records

San Joaquin County property record for 5654 Oberon Ave, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,700 sqft · built 2024
Lot Size	0.129 acres (5,621 sqft)
Owner	Individual Name on Record
Last Sale	$933,000 (May 2024)
Tax Bill	$16,048 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`251-360-130-000`

Property Details

APN / Parcel Number

Primary APN	`251-360-130-000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,700 sqft Living Area

Exterior

Year Built	Built 2024
Construction Type	Wood
Lot Area	5,621 sqft (0.129 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5654 OBERON AVE
City	TRACY
State	CA
Zip	95377-7774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 TRACY HILLS VILLAGE 10C-TRACT 4085
Legal Tract	4085
Legal Lot Number	13
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1026
Census Tract	5502

Owner

Source: San Joaquin County records, as of September 29, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5654 OBERON AVE, TRACY, CA 95377-7774
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage CABRILLO CU
May 10, 2024	Grant Deed, Subdivision Related Transfer · Conventional Mortgage PATELCO CU
May 10, 2023	Grant Deed, Transfer LENNAR TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on Record
Deed Sale	May 10, 2024 · Amount on Record
Prior Sale	May 10, 2023 · Amount on Record
Deed Document Number	2024-039070
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	5654 OBERON AVE, TRACY, CA 95377-7774
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5654 OBERON AVE, TRACY, CA 95377-7774

Mortgage

Document Number	0000116051
Date	Dec 17, 2025
Instrument	2025-116051

Lender

Name	CABRILLO CU
Type	Credit Union
Address	SAN DIEGO, CA 92131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10%

May 2024: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 10, 2024
Property Address	5654 OBERON AVE, TRACY, CA 95377-7774
Document Number	0000039070
Map Reference	MB 44 PG 21
Instrument Date	Apr 8, 2024
Instrument	2024-039070
Transaction Type	Subdivision Related Transfer
Record Updated	May 22, 2024
Title Company	NOT AVAILABLE, LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	5654 OBERON AVE, TRACY, CA 95377-7774

Mortgage

Document Number	0000039071
Date	May 10, 2024
Instrument	2024-039071

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	12.5%

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 10, 2023
Property Address	5654 OBERON AVE, TRACY, CA 95377
Document Number	0000036499
Map Reference	MB 44 PG 1
Instrument Date	May 5, 2023
Instrument	2023-036499
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8585 E HARTFORD DR STE 118, 118, SCOTTSDALE, AZ 85255-5473

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Tracy City
Secondary School District	Tracy Unified School District (9-12) (09 - 12)
Elementary School District	Jefferson Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$16,048.00 (+144.26%)	$951,657 (+1,087.48%) Land $306,000 Building $645,657
2023	$6,570.00	$80,141 Land $80,141

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1983–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	High above 89% of the US · above 71% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Matrix Broadband Fixed Wireless	200 / 40

May also be available: Cal.net.

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