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

San Joaquin County property record for 674 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	2 Individual Names on Record
Last Sale	$1,180,000 (Jul 2023)
Tax Bill	$18,841 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-090-330-000`

Property Details

APN / Parcel Number

Primary APN	`254-090-330-000`
Alternative APN	`254-090-33`

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	254-090-33
Street Address	674 PROSPERITY ST
City	TRACY
State	CA
Zip	95391-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	03-FM PT 254-050-01/MTN HOUSE, NEIGH. F, UNIT 2
Legal Subdivision	MOUNTAIN HOUSE NEIGHBORHOOD F
Legal Block	1
Legal Lot Number	59
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1009
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	2 Individual Names on Record
Mailing Address	674 PROSPERITY ST, TRACY, CA 95391-1114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Grant Deed, Transfer · Conventional Mortgage XPERT HOME LENDING INC
Jan 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Jul 28, 2023	Re-recorded Document NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Jan 23, 2015 · Amount on Record
Deed Document Number	202359407
Prior Transfer Date	Jan 2, 2021
Prior Transfer Doc	0000002574
Record Updated	Oct 29, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 28, 2023
Property Address	674 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000059407
Map Reference	MB 37 PG 50
Instrument Date	Jul 27, 2023
Instrument	2023-059407
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

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	674 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000059408
Date	Jul 28, 2023
Instrument	2023-059408

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jan 7, 2021
Property Address	674 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000002574
Instrument Date	Jan 2, 2021
Instrument	2021-002574
Transaction Type	Transfer
Record Updated	Aug 3, 2021
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
Relationship	Joint Tenants
Address	674 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000002575
Date	Jan 7, 2021
Instrument	2021-002575

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

July 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 28, 2023
Property Address	674 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000059406
Map Reference	MB 37 PG 50
Instrument Date	Jan 2, 2021
Instrument	2023-059406
Record Updated	Aug 9, 2023
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	674 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114

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	$18,841.00 (+11.11%)
2025	$16,957.00 (+67.11%)	$1,203,600 (+104.3%) Land $362,100 Building $841,500
2023	$10,147.00 (+2.21%) Homeowner's exemption	$589,135 Land $206,196 Building $382,939	$1,034,550
2022	$9,928.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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