125 Virginia Ave, Modesto, CA 95354 Property Records

Stanislaus County property record for 125 Virginia Ave, Modesto, CA 95354

Property Summary

Property Type	Residential
Details	5 bd · 4 ba · 2,309 sqft · built 1936
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Feb 2017)
Tax Bill	$4,527 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`109-007-048-000`

Property Details

APN / Parcel Number

Primary APN	`109-007-048-000`
Alternative APNs	`1090748000` `1090748`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,309 sqft Total Area
Gross Area	590 sqft
1st Floor Area	2,309 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Multi-Family
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	125 VIRGINIA AVE
City	MODESTO
State	CA
Zip	95354-0519
Property Category	Residential
Property Type	Residential > Specialized > Other
Legal Subdivision	MODESTO
Legal Block	3
Legal Lot Number	32&33
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	3
Census Block	3035
Census Tract	1200

Owner

125 Virginia Ave, a residential property, is owned by an individual who bought it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1544 RIVERVIEW CIR E, RIPON, CA 95366-9326
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
Feb 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING INC
Dec 27, 2023	Deed of Trust, Mortgage · Commercial Mortgage WINDSPINNER TRUST
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 15, 2017	Grant Deed, Transfer · Conventional Mortgage UNCLE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2017 · Amount on File
Deed Sale	Feb 15, 2017 · Amount on File
Deed Document Number	201710542
Prior Transfer Date	Oct 6, 2011
Prior Transfer Doc	0000084663
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	125 VIRGINIA AVE, MODESTO, CA 95354-0519
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 RIVERVIEW CIR E, RIPON, CA 95366-9326

Mortgage

Document Number	0000011566
Date	Feb 26, 2026
Instrument	2026-0011566

Lender

Name	JMAC LENDING INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	125 VIRGINIA AVE, MODESTO, CA 95354-0519
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	CALIFORNIA BEST TITLE CO, CALIFORNIA BEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059947
Date	Dec 27, 2023
Instrument	2023-0059947

Lender

Name	WINDSPINNER TRUST
Type	Non-Lending Institution
Address	SARATOGA, CA 95070

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	125 VIRGINIA AVE, MODESTO, CA 95354-0519
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 RIVERVIEW CIR E, RIPON, CA 95366-9326

Mortgage

Document Number	0000115056
Date	Dec 10, 2021
Instrument	2021-0115056

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Feb 15, 2017
Property Address	125 VIRGINIA AVE, MODESTO, CA 95354-0519
Document Number	0000010542
Instrument Date	Jan 24, 2017
Instrument	10542
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 RIVERVIEW CIR E RIPON CA 953669326, RIPON, CA 95366-9326

Mortgage

Document Number	10543
Date	Feb 15, 2017
Instrument	10543

Lender

Name	UNCLE CU
Type	Credit Union
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 125 Virginia Ave was $4,527, up 1.1% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Modesto City
Elementary School District	Modesto City Elementary School District (KG - 08)
Secondary School District	Modesto City High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$4,527.00 (+1.09%)	$390,644 (+2%) Land $81,678 Building $308,966
2025	$4,478.00	$382,985 Land $80,077 Building $302,908
2023	$4,215.00 (+2.5%)	$368,115 Land $76,968 Building $291,147
2022	$4,112.00

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

Flood

FEMA maps place 125 Virginia Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

The area around 125 Virginia Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 MODESTO serves 218,915 people · EPA ID CA5010010
Water Source	Purchased surface water from MODESTO IRRIGATION DISTRICT
Last State Inspection	Jan 2025
Lead	12 ppb (2025–2027) 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ezWave.

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