465 Steven St, Mountain House (Tracy), CA 95391 Property Records

San Joaquin County property record for 465 Steven St, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,887 sqft · built 2004
Lot Size	0.093 acres (4,054 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Dec 2017)
Tax Bill	$11,063 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-180-270-000`

Property Details

APN / Parcel Number

Primary APN	`254-180-270-000`
Alternative APN	`254-180-27`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,887 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	4,054 sqft (0.093 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	254-180-27
Street Address	465 STEVEN ST
City	TRACY
State	CA
Zip	95391-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	LOT 27
Legal Subdivision	MOUNTAIN HOUSE NEIGHBORHOOD F
Legal Block	1
Legal Lot Number	27
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1003
Census Tract	5222

Owner

465 Steven St is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	465 STEVEN ST, TRACY, CA 95391-1008
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Dec 14, 2017	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2017 · Amount on File
Deed Sale	Dec 14, 2017 · Amount on File
Prior Sale	Dec 16, 2008 · Amount on File
Deed Document Number	2017146092
Prior Transfer Date	Aug 22, 2008
Prior Transfer Doc	0000144871
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	465 STEVEN ST, MOUNTAIN HOUSE, CA 95391-1008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ENTITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 STEVEN ST, MOUNTAIN HOUSE, CA 95391-1008

Mortgage

Document Number	0000030586
Date	Mar 28, 2019
Instrument	2019-030586

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10006

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2034

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	465 STEVEN ST, MOUNTAIN HOUSE, CA 95391-1008
Document Number	0000111251
Instrument Date	Aug 23, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	465 STEVEN ST TRACY CA 953911008, TRACY, CA 95391-1008

Mortgage

Document Number	0000111251
Date	Sep 1, 2020
Instrument	111251

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 31, 2035

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 14, 2017
Property Address	465 STEVEN ST, MOUNTAIN HOUSE, CA 95391-1008
Document Number	0000146092
Map Reference	MAP37 PG55
Instrument Date	Dec 10, 2017
Instrument	2017-146092
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
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	465 STEVEN ST, MOUNTAIN HOUSE, CA 95391-1008

Mortgage

Document Number	0000146093
Date	Dec 14, 2017
Instrument	2017-146093

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 465 Steven St was $11,063 with a homeowner's exemption, up 15.7% 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	$11,063.00 (+15.67%)
2025	$9,564.00 Homeowner's exemption	$603,042 Land $180,911 Building $422,131
2023	$9,146.00 (+2.13%) Homeowner's exemption	$579,627 Land $173,887 Building $405,740	$737,100
2022	$8,955.00

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

Flood

FEMA maps place 465 Steven St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 465 Steven St is low, with a 0.01% annual chance of wildfire.

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.

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 730 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	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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