San Joaquin County property record for 32 W Gemma Ct, Mountain House, CA 95391
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.16 acres (6,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,085,000 (Aug 2025) |
| Tax Bill | $21,050 (2026) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 258-070-150-000 |
| Primary APN | 258-070-150-000 |
|---|
| Lot Area | 6,975 sqft (0.16 acres) |
|---|
| Street Address | 32 W GEMMA CT |
|---|---|
| City | TRACY |
| State | CA |
| Zip | 95391-1567 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 73 MOUNTAIN HOUSE NGBHD J UNIT 1 TRACT 3968 |
| Legal Subdivision | CITY/MOUNTAIN HOUSE |
| Legal Tract | 3968 |
| Legal Lot Number | 73 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 5223 |
32 W Gemma Ct is owned and occupied by two individuals who bought it in August 2025.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 W GEMMA CT, TRACY, CA 95391-1567 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 · Amount on File |
| Deed Sale | Aug 21, 2025 · Amount on File |
| Prior Sale | Dec 20, 2024 · Amount on File |
| Deed Document Number | 202570365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Aug 21, 2025 |
| Property Address | 32 W GEMMA CT, MOUNTAIN HOUSE, CA 95391-1567 |
| Document Number | 0000070365 |
| Map Reference | MB 44 PG 80 |
| Instrument Date | Jul 15, 2025 |
| Instrument | 2025-070365 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | UNKNOWN, LENNAR TITLE |
| Amount | Amount on Record |
|---|---|
| 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 | 32 W GEMMA CT, MOUNTAIN HOUSE, CA 95391-1567 |
| Document Number | 0000070366 |
|---|---|
| Date | Aug 21, 2025 |
| Instrument | 2025-070366 |
| Name | THE GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.3% |
The 2026 property tax bill for 32 W Gemma Ct was $21,050.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Mountain House City |
| Unified School District | Lammersville Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $21,050.00 | |
| 2025 | $488,828 Land $488,828 |
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.
FEMA maps place 32 W Gemma Ct 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 | 9 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 risk around 32 W Gemma Ct is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 55% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
| 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.
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