978 S Shields Ave, Mountain House (Tracy), CA 95391 Property Records

San Joaquin County property record for 978 S Shields Ave, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,797 sqft · built 2014
Lot Size	0.123 acres (5,337 sqft)
Owner	2 Individual Names on File
Last Sale	$532,000 (Feb 2015)
Tax Bill	$12,294 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`262-070-240-000`

Property Details

APN / Parcel Number

Primary APN	`262-070-240-000`
Alternative APN	`262-070-24`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,797 sqft Living Area

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,337 sqft (0.123 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	262-070-24
Street Address	978 S SHIELDS AVE
City	TRACY
State	CA
Zip	95391-1375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-FM PT OF 209-450-04/RM 41-100
Legal Subdivision	MOUNTAIN HOUSE MEIGHBORHO
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2004
Census Tract	5223

Owner

978 S Shields Ave is owned and occupied by two individuals who bought it in February 2015.

Source: San Joaquin County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	978 S SHIELDS AVE, TRACY, CA 95391-1375
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Mar 4, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2015 · Amount on File
Deed Sale	Feb 18, 2015 · Amount on File
Prior Sale	Dec 20, 2013
Deed Document Number	201517697
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	978 S SHIELDS AVE, MOUNTAIN HOUSE, CA 95391-1375
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 S SHIELDS AVE, TRACY, CA 95391-1375

Mortgage

Document Number	0000156370
Date	Nov 16, 2020
Instrument	2020-156370

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	978 S SHIELDS AVE, MOUNTAIN HOUSE, CA 95391-1375
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 S SHIELDS AVE, MOUNTAIN HOUSE, CA 95391-1375

Mortgage

Document Number	0000014139
Date	Jan 26, 2021
Instrument	2021-014139

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Mar 4, 2022
Property Address	978 S SHIELDS AVE, MOUNTAIN HOUSE, CA 95391-1375
Document Number	0000029174
Map Reference	MB 41 PG 100
Instrument Date	Mar 2, 2022
Instrument	2022-029174
Transaction Type	Transfer
Record Updated	Jun 7, 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	Revocable Trust
Address	978 S SHIELDS AVE, MOUNTAIN HOUSE, CA 95391-1375

Tax Assessment & Valuation

The 2026 property tax bill for 978 S Shields Ave was $12,294, up 14.1% from the year before.

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	$12,294.00 (+14.13%)
2025	$10,772.00	$639,279 Land $223,746 Building $415,533
2023	$10,300.00 (+2.22%)	$614,457 Land $215,058 Building $399,399	$1,013,490
2022	$10,076.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 978 S Shields Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 978 S Shields Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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 817 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Matrix Broadband Fixed Wireless	400 / 80
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

May also be available: Verizon.

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