San Joaquin County property record for 520 W Esplanade Dr, Mountain House, CA 95391
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,079 sqft · built 2013 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (Sep 2019) |
| Tax Bill | $13,092 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 256-350-120-000 |
| Primary APN | 256-350-120-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,079 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 6,098 sqft (0.14 acres) |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 256-350-12 |
|---|---|
| Street Address | 520 W ESPLANADE DR |
| City | TRACY |
| State | CA |
| Zip | 95391-1299 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | 07-FM PT 209-040-03/MTN HOUSE NEIGH H UNIT NO 7 |
| Legal Subdivision | MOUNTAIN HOUSE NEIGHBORHOOD H |
| Legal Block | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 5221 |
520 W Esplanade Dr is owned and occupied by two individuals who bought it in September 2019.
Source: San Joaquin County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 W ESPLANADE DR, TRACY, CA 95391-1299 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION |
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Sep 27, 2019 | Grant Deed, Transfer GOLDEN 1 CU |
| Aug 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ETHOS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2019 · Amount on File |
| Deed Sale | Sep 27, 2019 · Amount on File |
| Prior Sale | Feb 28, 2013 · Amount on File |
| Deed Document Number | 2019109143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 520 W ESPLANADE DR, MOUNTAIN HOUSE, CA 95391-1299 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 520 W ESPLANADE DR, TRACY, CA 95391-1299 |
| Document Number | 0000146262 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 2021-146262 |
| Name | WINNPOINTE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 520 W ESPLANADE DR, MOUNTAIN HOUSE, CA 95391-1299 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NOVARE NATIONAL SETMNT SVC |
| Name | Verified Name |
|---|---|
| Address | 520 W ESPLANADE DR, MOUNTAIN HOUSE, CA 95391-1299 |
| Document Number | 0000167344 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 2020-167344 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Recording Date | Sep 27, 2019 |
| Property Address | 520 W ESPLANADE DR, MOUNTAIN HOUSE, CA 95391-1299 |
| Document Number | 0000109143 |
| Instrument Date | Sep 24, 2019 |
| Instrument | 109143 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2019 |
| Title Company | NORTH AMERICAN TITLE CONCORD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $687.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 520 W ESPLANADE DR MOUNTAIN HOUSE CA 953911299, MOUNTAIN HOUSE, CA 95391-1299 |
| Document Number | 109144 |
|---|---|
| Date | Sep 27, 2019 |
| Instrument | 109144 |
| Name | GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 520 W ESPLANADE DR, MOUNTAIN HOUSE, CA 95391-1299 |
| Document Number | 0000100831 |
| Instrument Date | Aug 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 520 W ESPLANADE DR MOUNTAIN HOUSE CA 953911299, MOUNTAIN HOUSE, CA 95391-1299 |
| Document Number | 0000100831 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | 100831 |
| Name | ETHOS LNDG |
|---|---|
| Address | PITTSBURGH, PA 15212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2047 |
The 2026 property tax bill for 520 W Esplanade Dr was $13,092, up 13.3% from the year before.
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,092.00 (+13.27%) | ||
| 2025 | $11,558.00 | $683,525 Land $191,386 Building $492,139 | |
| 2023 | $11,057.00 (+2.17%) | $656,985 Land $183,955 Building $473,030 | $972,180 |
| 2022 | $10,822.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 W Esplanade Dr 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 | 5 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 520 W Esplanade Dr is moderate, ranking above 68% 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 68% of the US · above 43% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, based on 102 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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