632 Palm Cir, Tracy, CA 95376 Property Records

San Joaquin County property record for 632 Palm Cir, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,095 sqft · built 1972
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,000 (May 2000)
Tax Bill	$1,960 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`234-081-370-000`

Property Details

APN / Parcel Number

Primary APN	`234-081-370-000`
Alternative APNs	`234-081-37` `23107137`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,095 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	2,500 sqft (0.057 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	234-081-37
Street Address	632 PALM CIR
City	TRACY
State	CA
Zip	95376-4331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REDRAWN OCT-21-1993 FROM ORIGINAL APN 231-071-37
Legal Subdivision	WESTCHESTER GREEN
Legal Block	1
Legal Lot Number	127
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1009
Census Tract	5403

Owner

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	632 PALM CIR, TRACY, CA 95376-4331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Nov 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 16, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CASHCALL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2000 · Amount on Record
Deed Sale	May 30, 2000 · Amount on Record
Prior Sale	Apr 21, 2000 · Amount on Record
Deed Document Number	200059456
Last Transfer Date	Dec 30, 2020
Transfer Doc	0000002608
Record Updated	Oct 29, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 7, 2021
Property Address	632 PALM CIR, TRACY, CA 95376-4331
Document Number	0000002608
Map Reference	MB 18 PG 18
Instrument Date	Dec 30, 2020
Instrument	2021-002608
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	632 PALM CIR, TRACY, CA 95376-4331

Mortgage

Document Number	0000002609
Date	Jan 7, 2021
Instrument	2021-002609

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 26, 2019
Property Address	632 PALM CIR, TRACY, CA 95376-4331
Document Number	0000137887
Instrument Date	Aug 14, 2019
Instrument	137887
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

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	632 PALM CIR TRACY CA 953764331, TRACY, CA 95376-4331

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 16, 2019
Property Address	632 PALM CIR, TRACY, CA 95376-4331
Document Number	0000088045
Instrument Date	Aug 7, 2019
Instrument	88045
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	632 PALM CIR TRACY CA 953764331, TRACY, CA 95376-4331

Mortgage

Document Number	88046
Date	Aug 16, 2019
Instrument	88046

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 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
2026	$1,960.00 (+0.1%)
2025	$1,958.00 (+10.37%) Homeowner's exemption	$176,067 (+4.04%) Land $69,157 Building $106,910
2023	$1,774.00 (+2.13%) Homeowner's exemption	$169,231 Land $66,472 Building $102,759	$327,780
2022	$1,737.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 97.8% 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 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Matrix Broadband, Verizon.

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