217 C St, Waterford, CA 95386 Property Records

Stanislaus County property record for 217 C St, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 732 sqft · built 1940
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$89,000 (Oct 2015)
Tax Bill	$1,662 (2026)
Deeds & Mortgages	Aug 2019 Reverse Mortgage Feb 2017 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`134-016-013-000`

Property Details

APN / Parcel Number

Primary APN	`134-016-013-000`
Alternative APNs	`1341613000` `1341613`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	732 sqft Living Area
1st Floor Area	732 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Wood
Lot Area	7,841 sqft (0.18 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	217 C ST
City	WATERFORD
State	CA
Zip	95386-8767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WATERFORD
Legal Block	2
Legal Lot Number	5,6
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2023
Census Tract	2801

Owner

217 C St is owned and occupied by two individuals who acquired it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	217 C ST, WATERFORD, CA 95386-8767
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
Aug 29, 2019	Quit Claim Deed, Transfer · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Feb 15, 2017	Intrafamily Transfer, Transfer · Reverse Mortgage ONE REVERSE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2015 · Amount on File
Deed Sale	Oct 6, 2015 · Amount on File
Deed Document Number	201579290
Last Transfer Date	Aug 20, 2019
Transfer Doc	0000057817
Record Updated	Oct 29, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Aug 29, 2019
Property Address	217 C ST, WATERFORD, CA 95386-8767
Document Number	0000057817
Map Reference	VOL 1 PG 31
Instrument Date	Aug 20, 2019
Instrument	2019-0057817
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	217 C ST, WATERFORD, CA 95386-8767

Mortgage

Document Number	0000057818
Date	Aug 29, 2019
Instrument	2019-0057818

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.44%
Type Change Date	Sep 1, 2020
Index	LIBOR

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Feb 15, 2017
Property Address	217 C ST, WATERFORD, CA 95386-8767
Document Number	0000010697
Map Reference	VOL1 PG31
Instrument Date	Feb 6, 2017
Instrument	2017-0010697
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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
Address	217 C ST, WATERFORD, CA 95386-8767

Mortgage

Document Number	0000010698
Date	Feb 15, 2017
Instrument	2017-0010698

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	938 Months
Due	Apr 19, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.84%
Type Change Date	Mar 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2026 property tax bill for 217 C St was $1,662 with a homeowner's exemption, up 1.8% 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	$1,662.00 (+1.78%) Homeowner's exemption	$125,567 (+2%) Land $48,294 Building $77,273
2025	$1,633.00 Homeowner's exemption	$123,106 Land $47,348 Building $75,758
2023	$1,561.00 (+1.83%) Homeowner's exemption	$118,327 Land $45,510 Building $72,817
2022	$1,533.00

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

Flood

FEMA maps place 217 C St 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.

Wildfire

Wildfire risk around 217 C St is moderate, ranking above 51% 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 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 WATERFORD serves 8,788 people · EPA ID CA5010006
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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ayera Technologies, Verizon.

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