San Joaquin County property record for 865 Cobalt Ct, Tracy, CA 95377
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,285 sqft · built 1999 |
| Lot Size | 0.135 acres (5,895 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Nov 2021) |
| Tax Bill | $7,626 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Nov 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 240-190-040-000 |
| Primary APN | 240-190-040-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,285 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 5,895 sqft (0.135 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 240-190-04 |
|---|---|
| Street Address | 865 COBALT CT |
| City | TRACY |
| State | CA |
| Zip | 95377-8651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 99-FM PT OF 240-030-11 PER ALDEN MEADOWS UNIT 1 |
| Legal Subdivision | ALDEN MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 5212 |
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 | 8651 COBALT CT, TRACY, CA 95377 |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Nov 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CHEVRON FCU |
| Nov 5, 2021 | Grant Deed, Transfer · Conventional Mortgage CHEVRON FCU |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 6, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2021 · Amount on Record |
| Deed Sale | Nov 5, 2021 · Amount on Record |
| Prior Sale | Mar 1, 2002 · Amount on Record |
| Deed Document Number | 2021185835 |
| Prior Transfer Date | Dec 29, 2016 |
| Prior Transfer Doc | 0000001795 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 865 COBALT CT, TRACY, CA 95377-8651 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4832 BERNAL AVE A, A, PLEASANTON, CA 94566-1140 |
| Document Number | 0000127106 |
|---|---|
| Date | Nov 8, 2022 |
| Instrument | 2022-127106 |
| Name | CHEVRON FCU |
|---|---|
| Type | Credit Union |
| Address | OAKLAND, CA 94607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.62% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Nov 5, 2021 |
| Property Address | 865 COBALT CT, TRACY, CA 95377-8651 |
| Document Number | 0000185835 |
| Map Reference | MB 34 PG 20 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 2021-185835 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| 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 | 865 COBALT CT, TRACY, CA 95377-8651 |
| Document Number | 0000185836 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 2021-185836 |
| Name | CHEVRON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 865 COBALT CT, TRACY, CA 95377-8651 |
| Document Number | 0000052640 |
| Instrument Date | Apr 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 865 COBALT CT TRACY CA 953778651, TRACY, CA 95377-8651 |
| Document Number | 0000052640 |
|---|---|
| Date | May 4, 2020 |
| Instrument | 52640 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 3, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Jan 6, 2017 |
| Property Address | 865 COBALT CT, TRACY, CA 95377-8651 |
| Document Number | 0000001795 |
| Map Reference | MAP34 PG20 |
| Instrument Date | Dec 29, 2016 |
| Instrument | 2017-001795 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | TSI ESCROW CERRITOS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 865 COBALT CT, TRACY, CA 95377-8651 |
| Document Number | 0000001796 |
|---|---|
| Date | Jan 6, 2017 |
| Instrument | 2017-001796 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Tracy City |
| Unified School District | Tracy Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,626.00 (-6.84%) | ||
| 2025 | $8,186.00 (+10.13%) | $689,784 (+4.04%) Land $206,935 Building $482,849 | |
| 2023 | $7,433.00 (+2.1%) | $663,000 Land $198,900 Building $464,100 | $708,300 |
| 2022 | $7,280.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 620 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Matrix Broadband Fixed Wireless | 400 / 80 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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