1645 Gardenia Rd, Modesto, CA 95350 Property Records

Stanislaus County property record for 1645 Gardenia Rd, Modesto, CA 95350

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,731 sqft · built 1952
Lot Size	0.18 acres (7,831 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Aug 2013)
Tax Bill	$1,987 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`120-029-020-000`

Property Details

APN / Parcel Number

Primary APN	`120-029-020-000`
Alternative APNs	`1202920000` `1202920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,731 sqft Living Area
1st Floor Area	1,731 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Lot Area	7,831 sqft (0.18 acres)
View / Lot	Traffic
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1645 GARDENIA RD
City	MODESTO
State	CA
Zip	95350-4522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAMELLIA GARDENS TRACT (17M05) BLK 1239 LOT 17
Legal Subdivision	CAMELLIA GARDENS
Legal Block	1239
Legal Lot Number	17
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2003
Census Tract	1100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1645 GARDENIA RD, MODESTO, CA 95350-4522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 13, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
May 13, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2013 · Amount on Record
Deed Sale	Aug 16, 2013 · Amount on Record
Prior Sale	Sep 21, 2012 · Amount on Record
Deed Document Number	201370532
Last Transfer Date	May 23, 2025
Transfer Doc	0000027192
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1645 GARDENIA RD, MODESTO, CA 95350-4522
Transaction Type	Mortgage
Record Updated	Feb 18, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 GARDENIA RD, MODESTO, CA 95350-4522

Mortgage

Document Number	0000006210
Date	Feb 10, 2026
Instrument	2026-0006210

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	May 13, 2022
Property Address	1645 GARDENIA RD, MODESTO, CA 95350-4522
Document Number	0000036076
Map Reference	MB 17 PG 5
Instrument Date	May 3, 2022
Instrument	2022-0036076
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	May 13, 2022
Property Address	1645 GARDENIA RD, MODESTO, CA 95350-4522
Document Number	0000036077
Map Reference	MB 17 PG 5
Instrument Date	May 3, 2022
Instrument	2022-0036077
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	Joint Tenants
Address	1645 GARDENIA RD, MODESTO, CA 95350-4522

Mortgage

Document Number	0000036078
Date	May 13, 2022
Instrument	2022-0036078

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	1645 GARDENIA RD, MODESTO, CA 95350-4522
Document Number	0000055913
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 GARDENIA RD MODESTO CA 953504522, MODESTO, CA 95350-4522

Mortgage

Document Number	0000055913
Date	Aug 1, 2017
Instrument	55913

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2047

Tax Assessment & Valuation

Source: Stanislaus County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Modesto City
Secondary School District	Modesto City High School District (09 - 12)
Elementary School District	Sylvan Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,987.00 (+1.69%)	$187,544 (+2%) Land $31,253 Building $156,291
2025	$1,954.00 (+3.99%)	$183,868 (+4.04%) Land $30,641 Building $153,227
2023	$1,879.00 (+4.27%) Homeowner's exemption	$176,730 Land $29,452 Building $147,278
2022	$1,802.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 23, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Ayera Technologies, ezWave, Verizon.

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