13316 Aura Ln, Waterford, CA 95386 Property Records

Stanislaus County property record for 13316 Aura Ln, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,531 sqft · built 1993
Lot Size	0.174 acres (7,568 sqft)
Owner	2 Individual Names on File
Last Sale	$214,500 (Jun 2015)
Tax Bill	$3,294 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2018 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-060-011-000`

Property Details

APN / Parcel Number

Primary APN	`080-060-011-000`
Alternative APNs	`0806011000` `0806011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,531 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Wood
Lot Area	7,568 sqft (0.174 acres)
View / Lot	Corner
Parking Spaces	2 Parking Spaces
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	13316 AURA LN
City	WATERFORD
State	CA
Zip	95386-8740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PERSIMMON HILL LOT 11
Legal Subdivision	PERSIMMON HILL
Legal Block	1
Legal Lot Number	11
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1005
Census Tract	2801

Owner

13316 Aura Ln is owned and occupied by two individuals who acquired it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	13316 AURA LN, WATERFORD, CA 95386-8740
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 23, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Aug 2, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2015 · Amount on File
Deed Sale	Jun 25, 2015 · Amount on File
Prior Sale	Oct 23, 2008 · Amount on File
Deed Document Number	201549209
Last Transfer Date	Oct 12, 2020
Transfer Doc	0000080743
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	13316 AURA LN, WATERFORD, CA 95386-8740
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13316 AURA LN, WATERFORD, CA 95386-8740

Mortgage

Document Number	0000119477
Date	Dec 23, 2021
Instrument	2021-0119477

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	120 Months
Due	Dec 15, 2031

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	13316 AURA LN, WATERFORD, CA 95386-8740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053110
Date	Aug 2, 2018
Instrument	2018-0053110

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2038

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Oct 16, 2020
Property Address	13316 AURA LN, WATERFORD, CA 95386-8740
Document Number	0000080743
Map Reference	VOL 36 PG 15
Instrument Date	Oct 12, 2020
Instrument	2020-0080743
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CYPRESS TITLE CORPORATION

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	13316 AURA LN, WATERFORD, CA 95386-8740

Mortgage

Document Number	0000080744
Date	Oct 16, 2020
Instrument	2020-0080744

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 13316 Aura Ln was $3,294 with a homeowner's exemption, 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	$3,294.00 (+1.51%) Homeowner's exemption	$270,789 (+2%) Land $61,290 Building $209,499
2025	$3,245.00 Homeowner's exemption	$265,481 Land $60,089 Building $205,392
2023	$3,112.00 (+1.6%) Homeowner's exemption	$255,173 Land $57,756 Building $197,417
2022	$3,063.00

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

Flood

FEMA maps place 13316 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

Wildfire risk around 13316 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.

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 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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