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

San Joaquin County property record for 677 Prosperity St, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,624 sqft · built 2004
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$542,500 (Oct 2004)
Tax Bill	$13,683 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-090-390-000`

Property Details

APN / Parcel Number

Primary APN	`254-090-390-000`
Alternative APN	`254-090-39`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,624 sqft Living Area
1st Floor Area	2,624 sqft
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	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	254-090-39
Street Address	677 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 65
Legal Subdivision	MOUNTAIN HOUSE NEIGHBORHOOD F
Legal Block	1
Legal Lot Number	65
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	2 Individual Names on Record
Mailing Address	677 PROSPERITY ST, TRACY, CA 95391-1114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2004 · Amount on Record
Deed Sale	Oct 29, 2004 · Amount on Record
Prior Sale	Aug 3, 2004
Deed Document Number	2004245229
Prior Transfer Date	Jul 30, 2004
Prior Transfer Doc	0000171912
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	677 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 PROSPERITY ST, CINCINNATI, OH 45202

Mortgage

Document Number	0000039359
Date	Mar 25, 2022
Instrument	2022-039359

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	677 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000142184
Date	Oct 22, 2020
Instrument	2020-142184

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	677 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000048558
Instrument Date	Apr 17, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	677 PROSPERITY ST MOUNTAIN HOUSE CA 953911114, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000048558
Date	Apr 22, 2020
Instrument	48558

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 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	$13,683.00 (+15.3%)
2025	$11,867.00 (+4.53%) Homeowner's exemption	$751,586 (+4.04%) Land $225,799 Building $525,787
2023	$11,353.00 (+2.1%) Homeowner's exemption	$722,403 Land $217,032 Building $505,371	$937,440
2022	$11,119.00

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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