1090 S Vecindad St, Mountain House (Tracy), CA 95391 Property Records

San Joaquin County property record for 1090 S Vecindad St, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,249 sqft · built 2016
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Trust Names on File
Last Sale	$642,000 (Mar 2016)
Tax Bill	$13,811 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`262-040-090-000`

Property Details

APN / Parcel Number

Primary APN	`262-040-090-000`
Alternative APN	`262-040-09`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,249 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,227 sqft (0.12 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	262-040-09
Street Address	1090 S VECINDAD ST
City	TRACY
State	CA
Zip	95391-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-FM PT OF 209-450-02/RM 41-098
Legal Subdivision	MOUNTAIN HOUSE NBRHD C UN
Legal Block	2
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2014
Census Tract	5223

Owner

1090 S Vecindad St is owner-occupied and held in a trust since September 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	1090 S VECINDAD ST, TRACY, CA 95391-1407
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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 29, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 11, 2022	Intrafamily Transfer, Transfer
Apr 27, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Apr 23, 2020	Deed of Trust, Mortgage · ARM SAFE CU
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2016 · Amount on File
Deed Sale	Mar 16, 2016 · Amount on File
Prior Sale	Jul 30, 2014
Deed Document Number	201630222
Last Transfer Date	Sep 30, 2022
Transfer Doc	0000117577
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407

Mortgage

Document Number	0000113365
Date	Sep 29, 2022
Instrument	2022-113365

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Oct 11, 2022
Property Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407
Document Number	0000117577
Map Reference	MB 41 PG 98
Instrument Date	Sep 30, 2022
Instrument	2022-117577
Transaction Type	Transfer
Record Updated	Jun 7, 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	Revocable Trust
Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CONCORD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047062
Date	Apr 27, 2017
Instrument	2017-047062

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048953
Date	Apr 23, 2020
Instrument	2020-048953

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TTL OF NORTHERN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 S VECINDAD ST, MOUNTAIN HOUSE, CA 95391-1407

Mortgage

Document Number	0000121711
Date	Sep 17, 2020
Instrument	2020-121711

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1090 S Vecindad St was $13,811 with a homeowner's exemption, up 12.6% 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	Mountain House City
Unified School District	Lammersville Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,811.00 (+12.6%)
2025	$12,265.00 Homeowner's exemption	$759,754 Land $265,757 Building $493,997
2023	$11,725.00 (+2.23%) Homeowner's exemption	$730,254 Land $255,439 Building $474,815	$1,207,350
2022	$11,469.00

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

Flood

FEMA maps place 1090 S Vecindad St 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
Community Rating System	Class 7 (15% premium discount)
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

Wildfire risk around 1090 S Vecindad St is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect 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 MOUNTAIN HOUSE serves 26,400 people · EPA ID CA3910027
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2025) 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 817 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Matrix Broadband Fixed Wireless	400 / 80
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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