1446 Sephos St, Manteca, CA 95337 Property Records

San Joaquin County property record for 1446 Sephos St, Manteca, CA 95337

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,158 sqft · built 2017
Lot Size	0.133 acres (5,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$387,000 (Aug 2017)
Tax Bill	$5,527 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2020 Construction Loan + 1 more
Flood Zone	Zone X (moderate risk)
APN	`226-330-020-000`

Property Details

APN / Parcel Number

Primary APN	`226-330-020-000`
Alternative APN	`226-330-02`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,158 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,800 sqft (0.133 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	226-330-02
Street Address	1446 SEPHOS ST
City	MANTECA
State	CA
Zip	95337-7221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16-FM PT OF 226-180-22 PER OLEANDER ESTATES UNIT N
Legal Subdivision	OLEANDER ESTATES UN #3
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1006
Census Tract	5106

Owner

Source: San Joaquin County records, as of October 13, 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	1446 SEPHOS ST, MANTECA, CA 95337-7221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage M & T BANK
Sep 10, 2020	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Aug 15, 2017	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2017 · Amount on Record
Deed Sale	Aug 15, 2017 · Amount on Record
Deed Document Number	201793027
Last Transfer Date	Apr 8, 2021
Transfer Doc	0000073781
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 27, 2021
Property Address	1446 SEPHOS ST, MANTECA, CA 95337-7221
Document Number	0000073781
Map Reference	MB 42 PG 47
Instrument Date	Apr 8, 2021
Instrument	2021-073781
Transaction Type	Transfer
Record Updated	May 30, 2023
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	Community Property with Right of Survivorship
Address	1446 SEPHOS ST, MANTECA, CA 95337-7221

Mortgage

Document Number	0000073782
Date	Apr 27, 2021
Instrument	2021-073782

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	1446 SEPHOS ST, MANTECA, CA 95337-7221
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1446 SEPHOS ST, MANTECA, CA 95337-7221

Mortgage

Document Number	0000118085
Date	Sep 10, 2020
Instrument	2020-118085

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 17, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 15, 2017
Property Address	1446 SEPHOS ST, MANTECA, CA 95337-7221
Document Number	0000093027
Map Reference	MAP42 PG47
Instrument Date	Aug 2, 2017
Instrument	2017-093027
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1446 SEPHOS ST, MANTECA, CA 95337-7221

Mortgage

Document Number	0000093028
Date	Aug 15, 2017
Instrument	2017-093028

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Manteca City
Unified School District	Manteca Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,527.00 (+1.19%)
2025	$5,462.00 (+4.86%) Homeowner's exemption	$471,999 (+4.04%) Land $154,173 Building $317,826
2023	$5,209.00 (+9.16%) Homeowner's exemption	$453,673 Land $148,187 Building $305,486	$592,560
2022	$4,772.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 82 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	82 in force
Nearby Flood Claims	42 (1980–2017)
Claims Outside the SFHA	11 of 42
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 claims Severe Storms, Flooding, Mud And Landslides, Feb 1997 · 34 claims

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

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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 MANTECA serves 84,928 people · EPA ID CA3910005
Water Source	Purchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 664 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Cal.net Fixed Wireless	100 / 20

May also be available: Matrix Broadband, unWired Broadband, Verizon.

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