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

San Joaquin County property record for 692 Prosperity St, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,182 sqft · built 2004
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,125,000 (Sep 2022)
Tax Bill	$18,029 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`254-090-320-000`

Property Details

APN / Parcel Number

Primary APN	`254-090-320-000`
Alternative APN	`254-090-32`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,182 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	7,405 sqft (0.17 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	254-090-32
Street Address	692 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	58
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	692 PROSPERITY ST, TRACY, CA 95391-1114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage JINZHAO CHEN
Sep 29, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Sep 18, 2020	Grant Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Sep 18, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jun 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage VALLEY FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	2022113490
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	0000122339
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000106258
Date	Sep 12, 2022
Instrument	2022-106258

Lender

Name	JINZHAO CHEN
Type	Private Party
Address	2837 STRINGHAM WAY, DUBLIN, CA 94568

Agreement

Amount	Amount Recorded

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 29, 2022
Property Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000113490
Map Reference	MB 37 PG 50
Instrument Date	Sep 23, 2022
Instrument	2022-113490
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	CHICAGO 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	Community Property with Right of Survivorship
Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000113491
Date	Sep 29, 2022
Instrument	2022-113491

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.62%
Index	Other
Max Rate	9.62%

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 18, 2020
Property Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000122338
Map Reference	DOC 2003-172794
Instrument Date	Sep 10, 2020
Instrument	2020-122338
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO 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
Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000122340
Date	Sep 18, 2020
Instrument	2020-122340

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

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

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 18, 2020
Property Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000122339
Instrument Date	Sep 10, 2020
Instrument	122339
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	692 PROSPERITY ST MOUNTAIN HOUSE CA 953911114, MOUNTAIN HOUSE, CA 95391-1114

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	692 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-1114
Document Number	0000066659
Instrument Date	Jun 5, 2017
Transaction Type	Mortgage
Record Updated	Jun 21, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	692 PROSPERITY ST MOUNTAIN HOUSE CA 953911114, MOUNTAIN HOUSE, CA 95391-1114

Mortgage

Document Number	0000066659
Date	Jun 13, 2017
Instrument	66659

Lender

Name	VALLEY FIRST CU
Type	Credit Union
Address	MODESTO, CA 95350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

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	$18,029.00 (+1%)
2025	$16,390.00 (+11.39%)	$1,135,100 (+13.57%) Land $340,000 Building $795,100
2023	$14,714.00 (+23.61%)	$999,500 Land $295,000 Building $704,500	$993,510
2022	$11,904.00

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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