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

San Joaquin County property record for 981 Prosperity St, Mountain House, CA 95391

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,551 sqft · built 2018
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$689,000 (Sep 2018)
Tax Bill	$13,492 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`262-180-490-000`

Property Details

APN / Parcel Number

Primary APN	`262-180-490-000`
Alternative APN	`262-180-49`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,551 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	262-180-49
Street Address	981 PROSPERITY ST
City	TRACY
State	CA
Zip	95391-8800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MOUNTAIN HOUSE NBRHD D
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1025
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	981 PROSPERITY ST, TRACY, CA 95391-8800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BK NA
Sep 21, 2018	Grant Deed, Subdivision Related Transfer MUFG UNION BK NA
Sep 4, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	2018105248
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	981 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-8800
Transaction Type	Mortgage
Record Updated	Jan 7, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	981 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-8800

Mortgage

Document Number	0000159099
Date	Sep 21, 2021
Instrument	2021-159099

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	981 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-8800
Document Number	0000116897
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Sep 28, 2020
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	981 PROSPERITY ST MOUNTAIN HOUSE CA 95391, MOUNTAIN HOUSE, CA 95391

Mortgage

Document Number	0000116897
Date	Sep 10, 2020
Instrument	116897

Lender

Name	MUFG UNION BK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 9, 2040

September 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 21, 2018
Property Address	981 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-8800
Document Number	0000105248
Instrument Date	Sep 16, 2018
Instrument	105248
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 11, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$757.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	981 PROSPERITY ST MOUNTAIN HOUSE CA 95391, MOUNTAIN HOUSE, CA 95391

Mortgage

Document Number	105249
Date	Sep 21, 2018
Instrument	105249

Lender

Name	MUFG UNION BK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	981 PROSPERITY ST, MOUNTAIN HOUSE, CA 95391-8800
Document Number	0000105250
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	454 N LAFAYETTE CT MOUNTAIN HOUSE CA 953911184, MOUNTAIN HOUSE, CA 95391-1184

Mortgage

Document Number	0000105250
Date	Sep 21, 2018
Instrument	105250

Lender

Name	MUFG UNION BK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate

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	$13,492.00 (+12.84%)
2025	$11,957.00 (+4.54%)	$768,376 (+4.04%) Land $133,860 Building $634,516
2023	$11,438.00 (+2.12%)	$738,541 Land $128,663 Building $609,878	$940,590
2022	$11,201.00

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	Not rated no burnable land within 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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