Stanislaus County property record for 13296 Aura Ln, Waterford, CA 95386
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,235 sqft · built 1995 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Jan 2009) |
| Tax Bill | $2,490 (2026) |
| Deeds & Mortgages | May 2020 Mortgage Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-060-009-000 |
| Primary APN | 080-060-009-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,235 sqft Living Area |
| 1st Floor Area | 1,235 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Lot Area | 6,970 sqft (0.16 acres) |
| View / Lot | Corner |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 13296 AURA LN |
|---|---|
| City | WATERFORD |
| State | CA |
| Zip | 95386-8740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PERSIMMON HILL LOT 9 |
| Legal Subdivision | PERSIMMON HILL |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 2801 |
13296 Aura Ln is owned and occupied by two individuals who bought it in January 2009.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13296 AURA LN, WATERFORD, CA 95386-8740 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 11, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2009 · Amount on File |
| Deed Sale | Jan 6, 2009 · Amount on File |
| Prior Sale | Sep 2, 2008 · Amount on File |
| Deed Document Number | 2009564 |
| Prior Transfer Date | Aug 26, 2008 |
| Prior Transfer Doc | 0000095706 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 13296 AURA LN, WATERFORD, CA 95386-8740 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000036928 |
|---|---|
| Date | May 29, 2020 |
| Instrument | 2020-0036928 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 13296 AURA LN, WATERFORD, CA 95386-8740 |
| Document Number | 0000043999 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2018 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 13 2 9 6 AURA LN WATERFORD CA 95386, WATERFORD, CA 95386 |
| Document Number | 0000043999 |
|---|---|
| Date | Jun 27, 2018 |
| Instrument | 43999 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 13296 Aura Ln was $2,490, up 1.5% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Stanislaus County |
| Municipality | Waterford City |
| Unified School District | Waterford Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,490.00 (+1.51%) | $190,442 (+2%) Land $59,100 Building $131,342 |
| 2025 | $2,453.00 | $186,709 Land $57,942 Building $128,767 |
| 2023 | $2,354.00 (+1.6%) | $179,461 Land $55,693 Building $123,768 |
| 2022 | $2,317.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 13296 Aura Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 Policies | 3 in force |
| Nearby Flood Claims | 1 (1997) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1997 · Severe Storms, Flooding, Mud And Landslides |
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 risk around 13296 Aura Ln is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 66% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 397 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Ayera Technologies, Verizon.
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