203 River Pointe Dr, Waterford, CA 95386 Property Records

Stanislaus County property record for 203 River Pointe Dr, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,528 sqft · built 2020
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Mar 2026)
Tax Bill	$4,805 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-069-003-000`

Property Details

APN / Parcel Number

Primary APN	`080-069-003-000`
Alternative APN	`0806903000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,528 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Lot Area	7,150 sqft (0.164 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Storm Sewer

Location & Zoning

Street Address	203 RIVER POINTE DR
City	WATERFORD
State	CA
Zip	95386-8849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER POINTE #2 (41M78) LOT 197
Legal Subdivision	RIVER POINTE 02
Legal Block	1
Legal Lot Number	197
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1020
Census Tract	2801

Owner

203 River Pointe Dr is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	203 RIVER POINTE DR, WATERFORD, CA 95386-8849
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
Mar 2, 2026	Grant Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Oct 9, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage SCENIC OAKS FUNDING
May 31, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE
May 2, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FARMERS & MERCHANTS BK/CTRL CA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2026 · Amount on File
Deed Sale	Mar 2, 2026 · Amount on File
Prior Sale	Oct 9, 2020 · Amount on File
Deed Document Number	202612019
Prior Transfer Date	Aug 18, 2005
Prior Transfer Doc	0000162529
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Mar 2, 2026
Property Address	203 RIVER POINTE DR, WATERFORD, CA 95386-8849
Document Number	0000012019
Map Reference	MB 41 PG 78
Instrument Date	Feb 26, 2026
Instrument	2026-0012019
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

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	203 RIVER POINTE DR, WATERFORD, CA 95386-8849

Mortgage

Document Number	0000012020
Date	Mar 2, 2026
Instrument	2026-0012020

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Oct 9, 2020
Property Address	203 RIVER POINTE DR, WATERFORD, CA 95386-8849
Document Number	0000078508
Map Reference	MB 41 PG 78
Instrument Date	Oct 2, 2020
Instrument	2020-0078508
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 26, 2022
Title Company	OLD REPUBLIC 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	Joint Tenants
Address	203 RIVER POINTE DR, WATERFORD, CA 95386-8849
Investor	Possibly a Property Investor

Mortgage

Document Number	0000078509
Date	Oct 9, 2020
Instrument	2020-0078509

Lender

Name	SCENIC OAKS FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 31, 2018
Property Address	203 RIVER POINTE DR, WATERFORD, CA 95386-8849
Document Number	0000037430
Instrument Date	May 29, 2018
Instrument	37430
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$924.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4719 QUAIL LAKES DR #G-530 STOCKTON CA 952075267, G-530, STOCKTON, CA 95207-5267
Investor	Possibly a Property Investor

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 2, 2017
Property Address	203 RIVER POINTE DR, WATERFORD, CA 95386-8849
Instrument Date	Feb 22, 2017
Instrument	31283
Transaction Type	Construction Loan
Record Updated	May 9, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 7576 STOCKTON CA 952670576, STOCKTON, CA 95267-0576

Mortgage

Document Number	0000031283
Date	May 2, 2017
Instrument	31283

Lender

Name	FARMERS & MERCHANTS BK/CTRL CA
Type	Bank
Address	LODI, CA 95241

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 203 River Pointe Dr was $4,805, up 1.4% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Waterford City
Unified School District	Waterford Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$4,805.00 (+1.41%)	$401,748 (+2%) Land $126,967 Building $274,781
2025	$4,738.00	$393,872 Land $124,478 Building $269,394
2023	$4,551.00 (+1.52%)	$378,580 Land $119,646 Building $258,934
2022	$4,483.00

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

Flood

FEMA maps place 203 River Pointe Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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	3 in force
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1997 · Severe Storms, Flooding, Mud And Landslides

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 203 River Pointe Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect 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	WATERFORD-RIVER POINTE serves 1,079 people · EPA ID CA5010042
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	MODESTO IRRIGATION DISTRICT
Lead	Under 1 ppb (2024–2026) 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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
unWired Broadband Fixed Wireless	400 / 50
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies, Verizon.

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