581 W Royce Dr, Mountain House (Tracy), CA 95391 Property Records

San Joaquin County property record for 581 W Royce Dr, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,457 sqft · built 2017
Lot Size	0.148 acres (6,452 sqft)
Owner	Individual Name on Record
Last Sale	$1,250,000 (Jun 2021)
Tax Bill	$19,327 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`262-130-240-000`

Property Details

APN / Parcel Number

Primary APN	`262-130-240-000`
Alternative APN	`262-130-24`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,457 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,452 sqft (0.148 acres)
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	262-130-24
Street Address	581 W ROYCE DR
City	TRACY
State	CA
Zip	95391-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-FM PT OF 262-020-05/RM 42-021
Legal Subdivision	MOUNTAIN HOUSE NBRHD C UN
Legal Block	2
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2007
Census Tract	5223

Owner

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

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
Mailing Address	581 W ROYCE DR, TRACY, CA 95391-1422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 30, 2021	Grant Deed, Transfer · Conventional Mortgage THE GOLDEN 1 CU
Jun 30, 2021	Intrafamily Transfer, Transfer NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC
Nov 21, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Prior Sale	Nov 21, 2017 · Amount on Record
Deed Document Number	2021111101
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	0000111100
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	581 W ROYCE DR, MOUNTAIN HOUSE, CA 95391-1422
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	581 W ROYCE DR, MOUNTAIN HOUSE, CA 95391-1422

Mortgage

Document Number	0000099405
Date	Aug 22, 2022
Instrument	2022-099405

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 30, 2021
Property Address	581 W ROYCE DR, MOUNTAIN HOUSE, CA 95391-1422
Document Number	0000111101
Map Reference	MB 42 PG 21
Instrument Date	Jun 29, 2021
Instrument	2021-111101
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
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
Address	581 W ROYCE DR, MOUNTAIN HOUSE, CA 95391-1422

Mortgage

Document Number	0000111102
Date	Jun 30, 2021
Instrument	2021-111102

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	7.62%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 30, 2021
Property Address	581 W ROYCE DR, MOUNTAIN HOUSE, CA 95391-1422
Document Number	0000111100
Map Reference	MB 42 PG 21
Instrument Date	Jun 28, 2021
Instrument	2021-111100
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

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
Address	581 W ROYCE DR, MOUNTAIN HOUSE, CA 95391-1422

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Nov 21, 2017
Property Address	581 W ROYCE DR, MOUNTAIN HOUSE, CA 95391-1422
Document Number	0000135958
Map Reference	MAP42 PG21
Instrument Date	Oct 3, 2017
Instrument	2017-135958
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2021
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	Joint Tenants
Address	3239 WARWICK RD, FREMONT, CA 94555-2460

Mortgage

Document Number	0000135959
Date	Nov 21, 2017
Instrument	2017-135959

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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	$19,327.00 (+2.41%)
2025	$18,872.00 (+4.52%)	$1,353,038 (+4.04%) Land $189,425 Building $1,163,613
2023	$18,056.00 (+2%)	$1,300,500 Land $182,070 Building $1,118,430	$1,330,920
2022	$17,702.00

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

Flood

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

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

Wildfire Risk	Moderate above 67% of the US · above 42% 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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