12076 Combine Dr, Waterford, CA 95386 Property Records

Stanislaus County property record for 12076 Combine Dr, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,440 sqft · built 1995
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,536 (2026)
Deeds & Mortgages	Apr 2021 Reverse Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-061-016-000`

Property Details

APN / Parcel Number

Primary APN	`080-061-016-000`
Alternative APNs	`0806116000` `0806116`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Lot Area	7,841 sqft (0.18 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12076 COMBINE DR
City	WATERFORD
State	CA
Zip	95386-9109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND RANCH NO 3 LOT 51
Legal Subdivision	HIGHLAND RANCH UN 03
Legal Block	1
Legal Lot Number	51
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1011
Census Tract	2802

Owner

Source: Stanislaus County records, as of October 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	12076 COMBINE DR, WATERFORD, CA 95386-9109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Reverse Mortgage THE MONEY HOUSE INC
Apr 10, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 10, 2017	Deed of Trust, Mortgage · FHA Mortgage HIGHTECHLENDING INC
Apr 17, 2017	Quit Claim Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2017
Deed Sale	Apr 17, 2017
Prior Sale	Dec 5, 1995 · Amount on Record
Deed Document Number	201727317
Prior Transfer Date	Mar 24, 2017
Prior Transfer Doc	0000027317
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	12076 COMBINE DR, WATERFORD, CA 95386-9109
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	FNC TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12076 COMBINE DR, WATERFORD, CA 95386-9109

Mortgage

Document Number	0000032684
Date	Apr 5, 2021
Instrument	2021-0032684

Lender

Name	THE MONEY HOUSE INC
Type	Mortgage Company
Address	ORLANDO, FL 32819

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	951 Months
Due	Jul 25, 2100

Interest

Rate Type	Fixed Rate
Change Frequency	Annually

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	12076 COMBINE DR, WATERFORD, CA 95386-9109
Document Number	0000027319
Instrument Date	Apr 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12076 COMBINE DR WATERFORD CA 953869109, WATERFORD, CA 95386-9109

Mortgage

Document Number	0000027319
Date	Apr 17, 2017
Instrument	27319

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.42%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	12076 COMBINE DR, WATERFORD, CA 95386-9109
Document Number	0000027318
Instrument Date	Apr 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12076 COMBINE DR WATERFORD CA 953869109, WATERFORD, CA 95386-9109

Mortgage

Document Number	0000027318
Date	Apr 17, 2017
Instrument	27318

Lender

Name	HIGHTECHLENDING INC
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.42%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Apr 17, 2017
Property Address	12076 COMBINE DR, WATERFORD, CA 95386-9109
Document Number	0000027317
Instrument Date	Mar 24, 2017
Instrument	27317
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12076 COMBINE DR WATERFORD CA 953869109, WATERFORD, CA 95386-9109

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,536.00 (+1.56%) Homeowner's exemption	$201,623 (+2%) Land $50,824 Building $150,799
2025	$2,497.00 (+4.35%) Homeowner's exemption	$197,671 (+4.04%) Land $49,828 Building $147,843
2023	$2,393.00 (+1.66%) Homeowner's exemption	$189,997 Land $47,894 Building $142,103
2022	$2,354.00

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

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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% 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 WATERFORD serves 8,788 people · EPA ID CA5010006
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	MODESTO IRRIGATION DISTRICT
Lead	Under 1 ppb (2024–2026) 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 169 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

May also be available: AT&T, ezWave, Verizon.

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