644 Serpa Ranch Rd, Tracy, CA 95377 Property Records

San Joaquin County property record for 644 Serpa Ranch Rd, Tracy, CA 95377

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,226 sqft · built 2005
Lot Size	0.093 acres (4,069 sqft)
Owner	Individual Name on Record
Last Sale	$319,000 (Jun 2018)
Tax Bill	$7,472 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`240-650-390-000`

Property Details

APN / Parcel Number

Primary APN	`240-650-390-000`
Alternative APN	`240-650-39`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,226 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,069 sqft (0.093 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	240-650-39
Street Address	644 SERPA RANCH RD
City	TRACY
State	CA
Zip	95377-8617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 401
Legal Subdivision	REDBRIDGE
Legal Block	2
Legal Lot Number	401
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2010
Census Tract	5212

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	Individual Name on Record
Mailing Address	644 SERPA RANCH RD, TRACY, CA 95377-8617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ORION LNDG
Jul 11, 2019	Deed of Trust, Mortgage · Line of Credit UNCLE CU
Jun 29, 2018	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	Jul 2, 2008 · Amount on Record
Deed Document Number	201873042
Prior Transfer Date	May 3, 2008
Prior Transfer Doc	0000072948
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	644 SERPA RANCH RD, TRACY, CA 95377-8617
Document Number	0000092519
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 SERPA RANCH RD TRACY CA 953778617, TRACY, CA 95377-8617

Mortgage

Document Number	0000092519
Date	Jul 30, 2020
Instrument	92519

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	644 SERPA RANCH RD, TRACY, CA 95377-8617
Document Number	0000121097
Instrument Date	Jul 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 SERPA RANCH RD TRACY CA 953778617, TRACY, CA 95377-8617

Mortgage

Document Number	0000121097
Date	Oct 23, 2019
Instrument	121097

Lender

Name	UNCLE CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 22, 2044

Interest

Rate Type	Adjustable Rate

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 29, 2018
Property Address	644 SERPA RANCH RD, TRACY, CA 95377-8617
Document Number	0000073042
Map Reference	MB 39 PG 55
Instrument Date	Jun 27, 2018
Instrument	2018-073042
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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
Address	644 SERPA RANCH RD, TRACY, CA 95377-8617

Mortgage

Document Number	0000073043
Date	Jun 29, 2018
Instrument	2018-073043

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2033

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	$7,472.00 (-8.29%)
2025	$8,147.00 (+9.49%)	$603,045 (+4.04%) Land $199,118 Building $403,927
2023	$7,441.00 (-1.61%)	$579,630 Land $191,387 Building $388,243	$599,580
2022	$7,563.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Matrix Broadband.

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