645 Prosperity St, Mountain House (Tracy), CA 95391 Property Records

San Joaquin County property record for 645 Prosperity St, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,943 sqft · built 2004
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Mar 2009)
Tax Bill	$10,248 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-090-370-000`

Property Details

APN / Parcel Number

Primary APN	`254-090-370-000`
Alternative APN	`254-090-37`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,943 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	254-090-37
Street Address	645 PROSPERITY ST
City	TRACY
State	CA
Zip	95391-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LOT 63
Legal Subdivision	MOUNTAIN HOUSE NEIGHBORHOOD F
Legal Block	1
Legal Lot Number	63
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1010
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	645 PROSPERITY ST, TRACY, CA 95391-1114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2009 · Amount on Record
Deed Sale	Mar 27, 2009 · Amount on Record
Prior Sale	Nov 15, 2004 · Amount on Record
Deed Document Number	200947359
Prior Transfer Date	Mar 22, 2009
Prior Transfer Doc	0000047360
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	645 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	UNISOURCE TITLE INSURANCE-IRVINE, UNISOURCE TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 PROSPERITY ST, TRACY, CA 95391-1114

Mortgage

Document Number	0000019541
Date	Feb 3, 2021
Instrument	2021-019541

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	645 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138995
Date	Dec 2, 2019
Instrument	2019-138995

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	645 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086363
Date	Jul 20, 2020
Instrument	2020-086363

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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	$10,248.00 (+20.89%)
2025	$8,477.00 (+4.51%)	$405,621 (+4.04%) Land $100,436 Building $305,185
2023	$8,111.00 (+2.32%)	$389,872 Land $96,537 Building $293,335	$977,760
2022	$7,927.00

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

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	Low lower than 94% of the US · lower than 96% 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 653 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Matrix Broadband Fixed Wireless	400 / 80
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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