12101 Cherry Dr, Waterford, CA 95386 Property Records

Stanislaus County property record for 12101 Cherry Dr, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1991
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Jul 2026)
Tax Bill	$3,224 (2026)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale & Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`080-049-029-000`

Property Details

APN / Parcel Number

Primary APN	`080-049-029-000`
Alternative APNs	`0804929000` `0804929`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
View / Lot	Corner
Parking Spaces	2 Parking Spaces
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12101 CHERRY DR
City	WATERFORD
State	CA
Zip	95386-9468
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PASADENA ESTATES LOT 4
Legal Subdivision	PASADENA ESTATES
Legal Block	2
Legal Lot Number	4
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2013
Census Tract	2802

Owner

12101 Cherry Dr is owned and occupied by an individual who bought it in July 2026.

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	Individual Name on File
Mailing Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Grant Deed, Transfer WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C
Jul 15, 2026	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jul 15, 2026	Affidavit of Death of Trustee, Transfer
Sep 30, 2022	Affidavit of Death of Joint Tenant, Transfer
Sep 30, 2022	Intrafamily Transfer, Transfer
Nov 24, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Mar 12, 2018	Reverse Mortgage, Transfer · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS
Mar 27, 2018	Quit Claim Deed, Transfer PLACER TITLE COMPANY
Sep 29, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 14, 2017	Quit Claim Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS BK/CTRL CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	Aug 13, 2015 · Amount on File
Deed Document Number	202638743
Prior Transfer Date	Sep 23, 2022
Prior Transfer Doc	0000065762
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 15, 2026
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000038742
Instrument Date	Jul 13, 2026
Instrument	202638742
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	12101 CHERRY DR, WATERFORD, CA 95386-9468

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 15, 2026
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000038743
Instrument Date	Jul 9, 2026
Instrument	202638743
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,995.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	12101 CHERRY DR, WATERFORD, CA 95386-9468

Mortgage

Document Number	0000038744,
Date	Jul 15, 2026
Instrument	202638744

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	STANISLAUS CA
Recording Date	Jul 15, 2026
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000038741
Instrument Date	Jul 8, 2026
Instrument	202638741
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	STANISLAUS CA
Recording Date	Sep 30, 2022
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000065762
Map Reference	VOL 35 PG 28
Instrument Date	Sep 2, 2022
Instrument	2022-0065762
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12101 CHERRY DR, WATERFORD, CA 95386-9468

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Sep 30, 2022
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000065763
Map Reference	VOL 35 PG 28
Instrument Date	Sep 2, 2022
Instrument	2022-0065763
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 Living Trust
Address	12101 CHERRY DR, WATERFORD, CA 95386-9468

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Nov 24, 2021
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000109403
Map Reference	VOL 35 PG 28
Instrument Date	Nov 17, 2021
Instrument	2021-0109403
Transaction Type	Transfer
Record Updated	Dec 10, 2021
Title Company	PLACER TITLE COMPANY

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	Joint Tenants
Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Investor	Possibly a Property Investor

Mortgage

Document Number	0000109404
Date	Nov 24, 2021
Instrument	2021-0109404

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	861 Months
Due	Aug 15, 2093

Interest

Rate Type	Fixed Rate
Rate	2.41%
Type Change Date	Dec 1, 2022
Change Frequency	Annually
Index	LIBOR

March 2018: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	STANISLAUS CA
Recording Date	Mar 12, 2018
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000017018
Instrument Date	Mar 6, 2018
Instrument	17018
Transaction Type	Transfer
Record Updated	Mar 23, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12101 CHERRY DR WATERFORD CA 953869468, WATERFORD, CA 95386-9468

Mortgage

Document Number	17019
Date	Mar 12, 2018
Instrument	17019

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.49%

Mortgage

Document Number	17020,
Date	Mar 12, 2018
Instrument	17020

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	900 Months
Due	Mar 11, 2093

Interest

Rate Type	Adjustable Rate
Rate	4.49%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Mar 27, 2018
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000020963
Instrument Date	Mar 6, 2018
Instrument	20963
Transaction Type	Transfer
Record Updated	Apr 5, 2018
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12101 CHERRY DR WATERFORD CA 953869468, WATERFORD, CA 95386-9468

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Sep 29, 2017
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000072288
Instrument Date	Sep 26, 2017
Instrument	72288
Transaction Type	Transfer
Record Updated	Apr 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12101 CHERRY DR WATERFORD CA 953869468, WATERFORD, CA 95386-9468

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 14, 2017
Property Address	12101 CHERRY DR, WATERFORD, CA 95386-9468
Document Number	0000051110
Instrument Date	Jun 26, 2017
Instrument	51110
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

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	12101 CHERRY DR WATERFORD CA 953869468, WATERFORD, CA 95386-9468

Mortgage

Document Number	51111
Date	Jul 14, 2017
Instrument	51111

Lender

Name	FARMERS & MERCHANTS BK/CTRL CA
Type	Bank
Address	LODI, CA 95241-1902

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12101 Cherry Dr was $3,224, up 1.5% from the year before.

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	$3,224.00 (+1.51%)	$264,427 (+2%) Land $60,369 Building $204,058
2025	$3,176.00 Homeowner's exemption	$259,243 Land $59,186 Building $200,057
2023	$3,046.00 (+1.63%) Homeowner's exemption	$249,179 Land $56,889 Building $192,290
2022	$2,997.00

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

Flood

FEMA maps place 12101 Cherry Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12101 Cherry Dr is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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 498 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
T-Mobile Fixed Wireless	100 / 20

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

Nearby Properties on Cherry Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures