San Joaquin County property record for 5713 Loray Ln, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.117 acres (5,108 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $780,000 (Aug 2025) |
| Tax Bill | $14,329 (2026) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 251-390-850-000 |
| Primary APN | 251-390-850-000 |
|---|
| Lot Area | 5,108 sqft (0.117 acres) |
|---|
| Street Address | 5713 LORAY LN |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95377-8065 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 147 TRACY HILLS VILLAGES 10A & 10B-TRACT 4112 |
| Legal Subdivision | TRACY HILLS VLG 10A & 10B |
| Legal Tract | 4112 |
| Legal Lot Number | 147 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 5502 |
Source: San Joaquin County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5713 LORAY LN, TRACY, CA 95377-8065 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2025 · Amount on Record |
| Deed Sale | Aug 19, 2025 · Amount on Record |
| Deed Document Number | 202569555 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Aug 19, 2025 |
| Property Address | 5713 LORAY LN, TRACY, CA 95377-8065 |
| Document Number | 0000069555 |
| Map Reference | MB 44 PG 63 |
| Instrument Date | Jul 29, 2025 |
| Instrument | 2025-069555 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | UNKNOWN, LENNAR TITLE |
| 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 | 5713 LORAY LN, TRACY, CA 95377-8065 |
| Document Number | 0000069556 |
|---|---|
| Date | Aug 19, 2025 |
| Instrument | 2025-069556 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.99% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 8.99% |
Source: San Joaquin County assessment roll, as of September 24, 2025
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $14,329.00 | |
| 2025 | $193,800 Land $193,800 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 88% of the US · above 69% 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.
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 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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