1609 Swarthmore Dr, Modesto, CA 95358 Property Records

Stanislaus County property record for 1609 Swarthmore Dr, Modesto, CA 95358

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,505 sqft · built 1988
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,979 (2026)
Deeds & Mortgages	Jun 2021 Reverse Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`081-015-084-000`

Property Details

APN / Parcel Number

Primary APN	`081-015-084-000`
Alternative APNs	`0811584000` `0811584`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,505 sqft Living Area
1st Floor Area	1,505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	6,534 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces
Patio Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1609 SWARTHMORE DR
City	MODESTO
State	CA
Zip	95358-1050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE WEST NO 2 BLK 5941 LOT 11
Legal Subdivision	COLLEGE WEST 02
Legal Block	5941
Legal Lot Number	11
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2002
Census Tract	601

Owner

1609 Swarthmore Dr is owned and occupied by two individuals who acquired it in April 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	1609 SWARTHMORE DR, MODESTO, CA 95358-1050
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Dec 26, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Dec 26, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 1994
Deed Sale	Apr 25, 1994
Deed Document Number	199441198
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1609 SWARTHMORE DR, MODESTO, CA 95358-1050
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 SWARTHMORE DR, MODESTO, CA 95358-1050

Mortgage

Document Number	0000053357
Date	Jun 3, 2021
Instrument	2021-0053357

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	927 Months
Due	Sep 22, 2098

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1609 SWARTHMORE DR, MODESTO, CA 95358-1050
Document Number	0000003036
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1609 SWARTHMORE DR MODESTO CA 953581050, MODESTO, CA 95358-1050

Mortgage

Document Number	0000003036
Date	Jan 18, 2019
Instrument	3036

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	948 Months
Due	Jan 17, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.65%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1609 SWARTHMORE DR, MODESTO, CA 95358-1050
Document Number	0000003035
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1609 SWARTHMORE DR MODESTO CA 953581050, MODESTO, CA 95358-1050

Mortgage

Document Number	0000003035
Date	Jan 18, 2019
Instrument	3035

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	948 Months
Due	Jan 17, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.65%

Tax Assessment & Valuation

The 2026 property tax bill for 1609 Swarthmore Dr was $1,979 with a homeowner's exemption, up 1.2% 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	$1,979.00 (+1.18%) Homeowner's exemption	$177,762 (+2%) Land $43,791 Building $133,971
2025	$1,956.00 Homeowner's exemption	$174,278 Land $42,933 Building $131,345
2023	$1,837.00 (+2.57%) Homeowner's exemption	$167,513 Land $41,267 Building $126,246
2022	$1,791.00

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

Flood

FEMA maps place 1609 Swarthmore Dr 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 1609 Swarthmore Dr 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 660 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: ezWave, Verizon.

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