320 E Ramsey Dr, Mountain House (Tracy), CA 95391 Property Records

San Joaquin County property record for 320 E Ramsey Dr, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,809 sqft · built 2018
Lot Size	0.103 acres (4,522 sqft)
Owner	Individual Name on Record
Last Sale	$1,190,000 (Dec 2023)
Tax Bill	$16,844 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`262-230-030-000`

Property Details

APN / Parcel Number

Primary APN	`262-230-030-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,809 sqft Living Area

Exterior

Year Built	Built 2018
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,522 sqft (0.103 acres)
Garage Type	Mixed
Garage Area	467 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	320 E RAMSEY DR
City	MOUNTAIN HOUSE
State	CA
Zip	95391-8824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	3851 MOUNTAIN HOUSE NBRHD D WE
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1041
Census Tract	5223

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	320 E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 18, 2023	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 16, 2019	Deed of Trust, Mortgage SAFE FCU
Dec 19, 2018	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	2023-106413
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	320 E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824
Transaction Type	Mortgage
Record Updated	Jan 7, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320E E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824

Mortgage

Document Number	0000116245
Date	Dec 17, 2025
Instrument	2025-116245

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 18, 2023
Property Address	320 E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824
Document Number	0000106413
Map Reference	MB 42 PG 80
Instrument Date	Dec 11, 2023
Instrument	2023-106413
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	320 E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824

Mortgage

Document Number	0000106414
Date	Dec 18, 2023
Instrument	2023-106414

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Max Rate	11.6%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	320 E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824
Document Number	0000137635
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Nov 4, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E RAMSEY DR TRACY CA 953918824, TRACY, CA 95391-8824

Mortgage

Document Number	0000137635
Date	Oct 15, 2020
Instrument	137635

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	320 E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824
Document Number	0000120657
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E RAMSEY DR MOUNTAIN HOUSE CA 953918824, MOUNTAIN HOUSE, CA 95391-8824

Mortgage

Document Number	0000120657
Date	Oct 22, 2019
Instrument	120657

Lender

Name	SAFE FCU
Type	Credit Union
Address	FOLSOM, CA 95630-8765

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	320 E RAMSEY DR, MOUNTAIN HOUSE, CA 95391-8824
Document Number	0000145402
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E RAMSEY DR MOUNTAIN HOUSE CA 953918824, MOUNTAIN HOUSE, CA 95391-8824

Mortgage

Document Number	0000145402
Date	Dec 28, 2018
Instrument	145402

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2048

Interest

Rate Type	Adjustable Rate

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	Mountain House City
Unified School District	Lammersville Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$16,844.00 (+52.99%)	$1,213,800 (+77.44%) Land $290,700 Building $923,100
2023	$11,010.00 (+2.16%)	$684,048 Land $187,634 Building $496,414
2022	$10,777.00

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

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	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 623 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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