870 Independence Dr, Tracy, CA 95376 Property Records

San Joaquin County property record for 870 Independence Dr, Tracy, CA 95376

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,651 sqft · built 1985
Lot Size	0.371 acres (16,192 sqft)
Owner	Company Name on Record
Last Sale	$285,000 (Jan 2000)
Tax Bill	$6,097 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`246-020-360-000`

Property Details

APN / Parcel Number

Primary APN	`246-020-360-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,651 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Architectural Style	Other
Construction Type	Wood
Lot Area	16,192 sqft (0.371 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	870 INDEPENDENCE DR
City	TRACY
State	CA
Zip	95376-4733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03
Legal Description	REDRAW 881101 FR ORIG APN 237590369
Legal Subdivision	CENTENNIAL UNIT #2
Legal Tract	1614
Legal Lot Number	60
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1013
Census Tract	5208

Owner

Source: San Joaquin County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	870 INDEPENDENCE DR, TRACY, CA 95376-4733
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 11, 2017	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Aug 7, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2000 · Amount on Record
Deed Sale	Jan 28, 2000 · Amount on Record
Prior Sale	Aug 7, 2017
Deed Document Number	0000008963
Deed Book / Page	246
Last Transfer Date	Aug 11, 2017
Transfer Doc	0000091379
Record Updated	Jun 7, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	870 INDEPENDENCE DR, TRACY, CA 95376-4733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063919
Date	Jun 1, 2020
Instrument	2020-063919

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 11, 2017
Property Address	870 INDEPENDENCE DR, TRACY, CA 95376-4733
Document Number	0000091379
Instrument Date	Aug 1, 2017
Instrument	91379
Transaction Type	Transfer
Record Updated	Aug 21, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	870 INDEPENDENCE DR TRACY CA 953764733, TRACY, CA 95376-4733

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 7, 2017
Property Address	870 INDEPENDENCE DR, TRACY, CA 95376-4733
Document Number	0000089562
Instrument Date	Aug 1, 2017
Instrument	89562
Transaction Type	Transfer
Record Updated	Aug 15, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
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	870 INDEPENDENCE DR TRACY CA 953764733, TRACY, CA 95376-4733

Mortgage

Document Number	89563
Date	Aug 7, 2017
Instrument	89563

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2047

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of July 1, 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
2025	$6,097.00 (+10.31%) Homeowner's exemption	$535,848 (+4.04%) Land $217,235 Building $318,613
2023	$5,527.00 (+2.09%) Homeowner's exemption	$515,042 Land $208,800 Building $306,242
2022	$5,414.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 522 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 · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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