16095 Cottage Ave, Manteca, CA 95336 Property Records

San Joaquin County property record for 16095 Cottage Ave, Manteca, CA 95336

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,830 sqft · built 1970
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on File
Last Sale	$820,000 (May 2025)
Tax Bill	$9,357 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Apr 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`218-140-140-000`

Property Details

APN / Parcel Number

Primary APN	`218-140-140-000`
Alternative APNs	`218-140-14` `21567020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,830 sqft Living Area
1st Floor Area	1,830 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	33,977 sqft (0.78 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	218-140-14
Street Address	16095 COTTAGE AVE
City	MANTECA
State	CA
Zip	95336-8567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AU20
Legal Description	REDRAWN NOV-01-1994 FROM ORIGINAL APN 215-670-20
Legal Subdivision	SUMMER HOME TR SEC 03
Legal Block	1
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1002
Census Tract	5139

Owner

16095 Cottage Ave is owned and occupied by two individuals who bought it in May 2025.

Source: San Joaquin County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 7, 2023	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 13, 2023	Transfer on Death Deed, Transfer
Apr 13, 2023	Transfer on Death Deed, Transfer
Mar 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage REDWOOD CU
Jan 3, 2017	Deed of Trust, Mortgage · Conventional with PMI REDWOOD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2025 · Amount on File
Deed Sale	May 27, 2025 · Amount on File
Prior Sale	Dec 7, 2023 · Amount on File
Deed Document Number	202544337
Prior Transfer Date	Apr 12, 2023
Prior Transfer Doc	0000028512
Record Updated	Oct 29, 2026

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Dec 7, 2023
Property Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567
Document Number	0000100433
Map Reference	VOL 4 PG 145
Instrument Date	Dec 1, 2023
Instrument	2023-100433
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	6174 GLIDER DR, SAN JOSE, CA 95123-4843

Mortgage

Document Number	0000100434
Date	Dec 7, 2023
Instrument	2023-100434

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 13, 2023
Property Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567
Document Number	0000028512
Map Reference	VOL 4 PG 145
Instrument Date	Apr 12, 2023
Instrument	2023-028512
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Apr 13, 2023
Property Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567
Document Number	0000028511
Map Reference	VOL 4 PG 145
Instrument Date	Apr 12, 2023
Instrument	2023-028511
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567

Mortgage

Document Number	0000039740
Date	Mar 25, 2022
Instrument	2022-039740

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567

Mortgage

Document Number	0000096213
Date	Jun 3, 2021
Instrument	2021-096213

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	16095 COTTAGE AVE, MANTECA, CA 95336-8567
Document Number	0000003599
Instrument Date	Jan 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	16095 COTTAGE AVE MANTECA CA 953368567, MANTECA, CA 95336-8567

Mortgage

Document Number	0000003599
Date	Jan 10, 2017
Instrument	3599

Lender

Name	REDWOOD CU
Type	Credit Union
Address	SANTA ROSA, CA 95403

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 16095 Cottage Ave was $9,357, up 0.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,357.00 (+0.24%)
2025	$9,335.00	$826,200 Land $265,200 Building $561,000
2023	$3,415.00 (+1.49%) Homeowner's exemption	$301,101 Land $92,352 Building $208,749	$707,670
2022	$3,365.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 16095 Cottage Ave in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
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

Wildfire risk around 16095 Cottage Ave 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 67% 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	SOUTH SAN JOAQUIN IRRIGATION DISTRICT serves 0 people · EPA ID CA5010040
Water Source	Surface water
Last State Inspection	Sep 2025

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 2,000
ezWave Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies, unWired Broadband.

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