Stanislaus County property record for 2020 el Toro Way, Modesto, CA 95355
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,085 sqft · built 1986 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Mar 2020) |
| Tax Bill | $5,090 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-062-015-000 |
| Primary APN | 032-062-015-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,085 sqft Living Area |
| 1st Floor Area | 2,085 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Wood |
| Lot Area | 7,841 sqft (0.18 acres) |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Patio Area | 476 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2020 EL TORO WAY |
|---|---|
| City | MODESTO |
| State | CA |
| Zip | 95355-5104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | EASTRIDGE PLAZA |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | MODESTO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 1001 |
2020 el Toro Way is owned and occupied by two individuals who bought it in March 2020.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| 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.
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Line of Credit FARMERS AND MERCHANTS BANK |
| Jan 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 6, 2020 | Affidavit of Death, Transfer FIDELITY NATIONAL TITLE |
| Mar 6, 2020 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Mar 6, 2020 | Grant Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2020 · Amount on File |
| Deed Sale | Mar 6, 2020 · Amount on File |
| Deed Document Number | 202015730 |
| Prior Transfer Date | Mar 4, 2020 |
| Prior Transfer Doc | 0000015728 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Recording Date | May 19, 2026 |
| Property Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| Document Number | 0000028135 |
| Instrument Date | May 13, 2026 |
| Instrument | 202628135 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| Document Number | 0000028135, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 202628135 |
| Name | FARMERS AND MERCHANTS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3108 TUXFORD LN, MODESTO, CA 95350-1567 |
| Document Number | 0000009986 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 2021-0009986 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Recording Date | Mar 6, 2020 |
| Property Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| Document Number | 0000015728 |
| Instrument Date | Mar 4, 2020 |
| Instrument | 15728 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7911 DERSINGHAM DR SACRAMENTO CA 958291463, SACRAMENTO, CA 95829-1463 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Recording Date | Mar 6, 2020 |
| Property Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| Document Number | 0000015729 |
| Instrument Date | Mar 4, 2020 |
| Instrument | 15729 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 7911 DERSINGHAM DR SACRAMENTO CA 958291463, SACRAMENTO, CA 95829-1463 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Recording Date | Mar 6, 2020 |
| Property Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| Document Number | 0000015730 |
| Map Reference | VOL 27 PG 94 |
| Instrument Date | Mar 4, 2020 |
| Instrument | 2020-0015730 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2020 EL TORO WAY, MODESTO, CA 95355-5104 |
| Document Number | 0000015731 |
|---|---|
| Date | Mar 6, 2020 |
| Instrument | 2020-0015731 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2026 property tax bill for 2020 el Toro Way was $5,090 with a homeowner's exemption, up 1.1% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $5,090.00 (+1.13%) Homeowner's exemption | $446,201 (+2%) Land $167,325 Building $278,876 |
| 2025 | $5,033.00 Homeowner's exemption | $437,453 Land $164,045 Building $273,408 |
| 2023 | $4,734.00 (+2.51%) Homeowner's exemption | $420,469 Land $157,676 Building $262,793 |
| 2022 | $4,618.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2020 el Toro Way in Zone X, an area of minimal flood risk.
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.
The area around 2020 el Toro Way 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 501 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 |
| ezWave Fixed Wireless | 1,000 / 200 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
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