1105 N Central Ave, Modesto, CA 95351 Property Records

Stanislaus County property record for 1105 N Central Ave, Modesto, CA 95351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,843 sqft · built 1984
Lot Size	0.281 acres (12,251 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Apr 2014)
Tax Bill	$3,359 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-040-013-000`

Property Details

APN / Parcel Number

Primary APN	`039-040-013-000`
Alternative APNs	`0394013000` `0394013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,843 sqft Living Area
1st Floor Area	1,843 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	12,251 sqft (0.281 acres)
View / Lot	Corner
Parking Spaces	2 Parking Spaces
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1105 N CENTRAL AVE
City	MODESTO
State	CA
Zip	95351-4806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VINTAGE PARK
Legal Block	4
Legal Lot Number	7
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4009
Census Tract	2702

Owner

Source: Stanislaus County records, as of October 21, 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	1105 N CENTRAL AVE, MODESTO, CA 95351-4806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 19, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Jun 25, 2018	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Apr 18, 2017	Deed of Trust, Mortgage · Line of Credit VALLEY FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2014 · Amount on Record
Deed Sale	Apr 22, 2014 · Amount on Record
Prior Sale	Mar 20, 2014
Deed Document Number	201424398
Prior Transfer Date	Mar 18, 2014
Prior Transfer Doc	0000016977
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1105 N CENTRAL AVE, MODESTO, CA 95351-4806
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 N CENTRAL AVE, MODESTO, CA 95351-4806

Mortgage

Document Number	0000060864
Date	Jun 25, 2021
Instrument	2021-0060864

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1105 N CENTRAL AVE, MODESTO, CA 95351-4806
Document Number	0000023048
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1105 N CENTRAL AVE MODESTO CA 953514806, MODESTO, CA 95351-4806

Mortgage

Document Number	0000023048
Date	Mar 31, 2020
Instrument	23048

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1105 N CENTRAL AVE, MODESTO, CA 95351-4806
Document Number	0000045877
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1105 N CENTRAL AVE MODESTO CA 953514806, MODESTO, CA 95351-4806

Mortgage

Document Number	0000045877
Date	Jul 5, 2018
Instrument	45877

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1105 N CENTRAL AVE, MODESTO, CA 95351-4806
Document Number	0000030114
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1105 N CENTRAL AVE MODESTO CA 953514806, MODESTO, CA 95351-4806

Mortgage

Document Number	0000030114
Date	Apr 27, 2017
Instrument	30114

Lender

Name	VALLEY FIRST CU
Type	Credit Union
Address	MODESTO, CA 95354

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 26, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Stanislaus County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Ceres City
Unified School District	Ceres Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,359.00 (+0.03%) Homeowner's exemption	$299,705 (+2%) Land $43,758 Building $255,947
2025	$3,358.00 (+9.77%) Homeowner's exemption	$293,829 (+4.04%) Land $42,900 Building $250,929
2023	$3,059.00 (+0.89%) Homeowner's exemption	$282,421 Land $41,235 Building $241,186
2022	$3,032.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · 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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 CERES serves 54,513 people · EPA ID CA5010028
Water Source	Purchased surface water from STANISLAUS REGIONAL WATER AUTHORITY
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon, Xfinity.

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