1514 Locke Rd, Modesto, CA 95355 Property Records

Stanislaus County property record for 1514 Locke Rd, Modesto, CA 95355

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,170 sqft · built 1953
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Tax Bill	$787 (2026)
Deeds & Mortgages	Oct 2025 Reverse Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032-013-013-000`

Property Details

APN / Parcel Number

Primary APN	`032-013-013-000`
Alternative APNs	`0321313000` `0321313`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	1,182 sqft
1st Floor Area	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	9,148 sqft (0.21 acres)
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Patio Area	189 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1514 LOCKE RD
City	MODESTO
State	CA
Zip	95355-4344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP C6 61
Legal Subdivision	LOCKE
Legal Block	5
Legal Lot Number	3
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	5
Census Block	5009
Census Tract	1001

Owner

1514 Locke Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1514 LOCKE RD, MODESTO, CA 95355-4344
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
Oct 16, 2025	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 19, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1514 LOCKE RD, MODESTO, CA 95355-4344
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	UNKNOWN, SOLIDIFI TITLE COMPANY OF C

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 LOCKE RD, MODESTO, CA 95355-4344

Mortgage

Document Number	0000050695
Date	Oct 16, 2025
Instrument	2025-0050695

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	849 Months
Due	Jul 11, 2096

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1514 LOCKE RD, MODESTO, CA 95355-4344
Transaction Type	Mortgage
Record Updated	Jun 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 LOCKE RD, MODESTO, CA 95355-4344

Mortgage

Document Number	0000022577
Date	May 19, 2023
Instrument	2023-0022577

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1514 LOCKE RD, MODESTO, CA 95355-4344
Document Number	0000048328
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1514 LOCKE RD MODESTO CA 953554344, MODESTO, CA 95355-4344

Mortgage

Document Number	0000048328
Date	Jul 3, 2017
Instrument	48328

Lender

Name	BANK OF THE WEST
Type	Bank
Address	MODESTO, CA 95355

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 2, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1514 Locke Rd was $787 with a homeowner's exemption, up 1.3% 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	$787.00 (+1.29%) Homeowner's exemption	$74,957 (+2%) Land $19,732 Building $55,225
2025	$777.00 Homeowner's exemption	$73,489 Land $19,346 Building $54,143
2023	$728.00 (+2.68%) Homeowner's exemption	$70,638 Land $18,596 Building $52,042
2022	$709.00

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

Flood

FEMA maps place 1514 Locke Rd in Zone X, an area of minimal flood risk.

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	1 in force

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 1514 Locke Rd 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
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.

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