648 Palm Cir, Tracy, CA 95376 Property Records

San Joaquin County property record for 648 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	0.046 acres (2,000 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Mar 2024)
Tax Bill	$444 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Nov 2023 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`234-081-350-000`

Property Details

APN / Parcel Number

Primary APN	`234-081-350-000`
Alternative APNs	`234-081-35` `23107135`

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	2,000 sqft (0.046 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	234-081-35
Street Address	648 PALM CIR
City	TRACY
State	CA
Zip	95376-4331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 129
Legal Subdivision	WESTCHESTER GREEN
Legal Block	1
Legal Lot Number	129
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 14, 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	648 PALM CIR, TRACY, CA 95376-4331
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2024	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Nov 17, 2023	Grant Deed, Construction Loan · Construction Mortgage ALPHAX DEBT FUND LLC
Jun 21, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2024 · Amount on Record
Deed Sale	Mar 25, 2024 · Amount on Record
Prior Sale	Nov 17, 2023 · Amount on Record
Deed Document Number	202424519
Prior Transfer Date	Jun 12, 2023
Prior Transfer Doc	0000048926
Record Updated	Oct 29, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 25, 2024
Property Address	648 PALM CIR, TRACY, CA 95376-4331
Document Number	0000024519
Map Reference	MB 18 PG 18
Instrument Date	Mar 8, 2024
Instrument	2024-024519
Transaction Type	Transfer
Record Updated	Apr 4, 2024
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	648 PALM CIR, TRACY, CA 95376-4331

Mortgage

Document Number	0000024520
Date	Mar 25, 2024
Instrument	2024-024520

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0000024521
Date	Mar 25, 2024
Instrument	2024-024521

Lender

Name	ROSANLLY ANALY LOPEZ VELIZ
Type	Non-Lending Institution
Address	CONCORD, CA 94520

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	May 19, 2054

November 2023: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 17, 2023
Property Address	648 PALM CIR, TRACY, CA 95376-4331
Document Number	0000094567
Map Reference	VOL 18 PG 18
Instrument Date	Nov 6, 2023
Instrument	2023-094567
Transaction Type	Construction Loan
Record Updated	Dec 12, 2023
Title Company	ORABGE COAST TITLE, ORANGE COAST 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
Address	97 BOSTON AVE, SAN JOSE, CA 95128-1902

Mortgage

Document Number	0000094568
Date	Nov 17, 2023
Instrument	2023-094568

Lender

Name	ALPHAX DEBT FUND LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2024

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 21, 2023
Property Address	648 PALM CIR, TRACY, CA 95376-4331
Document Number	0000048926
Instrument Date	Jun 12, 2023
Instrument	2023-048926
Transaction Type	Transfer
Record Updated	Jul 3, 2023

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	Living Trust
Address	648 PALM CIR, TRACY, CA 95376-4331

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	$444.00 (+0.45%)	$44,928 (+2%) Land $7,083 Building $37,845
2025	$442.00 (+10.78%)	$44,048 (+4.04%) Land $6,945 Building $37,103
2023	$399.00 (+2.31%) Homeowner's exemption	$42,339 Land $6,676 Building $35,663	$244,260
2022	$390.00

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

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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