640 W Mount Diablo Ave, Tracy, CA 95376 Property Records

San Joaquin County property record for 640 W Mount Diablo Ave, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,159 sqft · built 1993
Lot Size	0.148 acres (6,443 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Dec 2009)
Tax Bill	$3,089 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`242-190-440-000`

Property Details

APN / Parcel Number

Primary APN	`242-190-440-000`
Alternative APN	`242-190-44`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,159 sqft Living Area
1st Floor Area	1,159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,443 sqft (0.148 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	242-190-44
Street Address	640 W MOUNT DIABLO AVE
City	TRACY
State	CA
Zip	95376-8723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2312 LOT 84
Legal Subdivision	CIRCLE B RANCH ESTATES
Legal Tract	2312
Legal Block	4
Legal Lot Number	84
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	4
Census Block	4002
Census Tract	5208

Owner

640 W Mount Diablo Ave is owned and occupied by an individual who bought it in December 2009.

Source: San Joaquin County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	640 W MOUNT DIABLO AVE, TRACY, CA 95376-8723
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 15, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPWEST HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2009 · Amount on File
Deed Sale	Dec 29, 2009 · Amount on File
Prior Sale	Jun 27, 2008 · Amount on File
Deed Document Number	2009183559
Prior Transfer Date	Mar 7, 2008
Prior Transfer Doc	0000046597
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	640 W MOUNT DIABLO AVE, TRACY, CA 95376-8723
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 W MOUNT DLABLO AVE, TRACY, CA 95376-8723

Mortgage

Document Number	0000148757
Date	Sep 7, 2021
Instrument	2021-148757

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	640 W MOUNT DIABLO AVE, TRACY, CA 95376-8723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 W MOUNT DIABLO AVE, TRACY, CA 95376-8723

Mortgage

Document Number	0000127101
Date	Sep 25, 2020
Instrument	2020-127101

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Aug 1, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	640 W MOUNT DIABLO AVE, TRACY, CA 95376-8723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 W MOUNT DIABLO AVE, TRACY, CA 95376-8723

Mortgage

Document Number	0000049043
Date	May 15, 2019
Instrument	2019-049043

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	640 W MOUNT DIABLO AVE, TRACY, CA 95376-8723
Document Number	0000125664
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	PLACER TITLE COMPANY AUBURN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 W MOUNT DIABLO AVE TRACY CA 953768723, TRACY, CA 95376-8723

Mortgage

Document Number	0000125664
Date	Oct 27, 2017
Instrument	125664

Lender

Name	CAPWEST HM LNS
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 640 W Mount Diablo Ave was $3,089 with a homeowner's exemption, up 0.1% from the year before.

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	$3,089.00 (+0.1%)
2025	$3,086.00 Homeowner's exemption	$258,149 Land $64,536 Building $193,613
2023	$2,803.00 (+2.19%) Homeowner's exemption	$248,127 Land $62,031 Building $186,096	$523,710
2022	$2,743.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 640 W Mount Diablo Ave 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	2 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

The area around 640 W Mount Diablo Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 595 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
Cal.net Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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