778 Joseph St, Mountain House (Tracy), CA 95391 Property Records

San Joaquin County property record for 778 Joseph St, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,808 sqft · built 2004
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Company Names on Record
Last Sale	$1,215,000 (May 2021)
Tax Bill	$20,006 (2026)
Deeds & Mortgages	Dec 2023 Transfer May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`254-120-430-000`

Property Details

APN / Parcel Number

Primary APN	`254-120-430-000`
Alternative APN	`254-120-43`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,808 sqft Living Area
1st Floor Area	2,808 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	13,504 sqft (0.31 acres)
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	254-120-43
Street Address	778 JOSEPH ST
City	TRACY
State	CA
Zip	95391-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	03-FM PT OF 254-040-11 PER MTN HOUSE, NEIGH F,NO.3
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	1029
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 Company Names on Record
Mailing Address	778 JOSEPH ST, TRACY, CA 95391-1122
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Intrafamily Transfer, Transfer
May 5, 2021	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2021 · Amount on Record
Deed Sale	May 5, 2021 · Amount on Record
Prior Sale	Jun 25, 2004 · Amount on Record
Deed Document Number	202179541
Prior Transfer Date	Oct 29, 2003
Prior Transfer Doc	0000251904
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 13, 2023
Property Address	778 JOSEPH ST, MOUNTAIN HOUSE, CA 95391-1122
Document Number	0000104642
Map Reference	MB 37 PG 51
Instrument Date	Dec 12, 2023
Instrument	2023-104642
Transaction Type	Transfer
Record Updated	Dec 25, 2023

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	Family Trust
Address	778 JOSEPH ST, MOUNTAIN HOUSE, CA 95391-1122

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 5, 2021
Property Address	778 JOSEPH ST, MOUNTAIN HOUSE, CA 95391-1122
Document Number	0000079541
Map Reference	MB 37 PG 51
Instrument Date	Apr 23, 2021
Instrument	2021-079541
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	778 JOSEPH ST, MOUNTAIN HOUSE, CA 95391-1122

Mortgage

Document Number	0000079542
Date	May 5, 2021
Instrument	2021-079542

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	1-Year CMT
Max Rate	7.62%

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	$20,006.00 (+10.51%)
2025	$18,104.00 (+4.52%)	$1,315,153 (+4.04%) Land $487,093 Building $828,060
2023	$17,321.00 (+1.98%) Homeowner's exemption	$1,264,086 Land $468,180 Building $795,906	$1,232,280
2022	$16,984.00

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 93% of the US · lower than 96% of California
Wildfire Likelihood	Under 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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