78 W Gemma Ct, Tracy, CA 95391 Property Records

San Joaquin County property record for 78 W Gemma Ct, Tracy, CA 95391 · Last verified July 2026

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.19 acres (8,284 sqft)
Owner	2 Individual Names on File
Last Sale	$1,115,000 (Mar 2026)
Tax Bill	$13,114 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`258-070-120-000`

Property Details

APN / Parcel Number

Primary APN	`258-070-120-000`

Exterior

Lot Area	8,284 sqft (0.19 acres)

Location & Zoning

Street Address	78 W GEMMA CT
City	TRACY
State	CA
Zip	95391-1567
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT 70 MOUNTAIN HOUSE NGBHD J UNIT 1 TRACT 3968
Legal Subdivision	CITY/MOUNTAIN HOUSE
Legal Tract	3968
Legal Lot Number	70
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3000
Census Tract	5223

Owner

Source: San Joaquin County records · APN 258-070-120-000

Assessment roll updated September 24, 2025 · Last verified July 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 File
Mailing Address	78 W GEMMA CT, TRACY, CA 95391-1567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Dec 20, 2024 · Amount on Record
Deed Document Number	202625104
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 20, 2026
Property Address	78 W GEMMA CT, MOUNTAIN HOUSE, CA 95391-1567
Document Number	0000025104
Map Reference	MB 44 PG 80
Instrument Date	Mar 17, 2026
Instrument	2026-025104
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 07, 2026
Title Company	LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	78 W GEMMA CT, MOUNTAIN HOUSE, CA 95391-1567

Mortgage

Document Number	0000025105
Date	Mar 20, 2026
Instrument	2026-025105

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Apr 01, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.99%
Index	SOFR Average 30-Day
Margin	3
Max Rate	8.99%

Tax Assessment & Valuation

Source: San Joaquin County records · Assessment roll updated September 24, 2025 · Last verified July 2026

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

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.

Year	Tax Bill	Assessed Value
2025	$13,114.00	$488,828 Land $488,828

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Joaquin County (06077C), updated September 27, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 79% of the US · above 56% of California
Wildfire Likelihood	About 1 in 209 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.