2708 Mill Oak Dr, Modesto, CA 95355 Property Records

Stanislaus County property record for 2708 Mill Oak Dr, Modesto, CA 95355

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,634 sqft · built 1986
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Feb 2018)
Tax Bill	$3,771 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`077-026-025-000`

Property Details

APN / Parcel Number

Primary APN	`077-026-025-000`
Alternative APNs	`0772625000` `0772625`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,634 sqft Living Area
1st Floor Area	1,634 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Lot Width	62 ft Width
Parking Spaces	2 Parking Spaces
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2708 MILL OAK DR
City	MODESTO
State	CA
Zip	95355-9206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORCHARD GARDENS BLK 11129 LOT 44
Legal Subdivision	ORCHARD GARDENS
Legal Block	11129
Legal Lot Number	44
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2010
Census Tract	913

Owner

Source: Stanislaus County records, as of October 8, 2025

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	2708 MILL OAK DR, MODESTO, CA 95355-9206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
May 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Feb 9, 2018	Grant Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 4, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Oct 4, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2018 · Amount on Record
Deed Sale	Feb 9, 2018 · Amount on Record
Prior Sale	Oct 4, 2017 · Amount on Record
Deed Document Number	20188812
Last Transfer Date	Jan 5, 2022
Transfer Doc	0000003569
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Jan 19, 2022
Property Address	2708 MILL OAK DR, MODESTO, CA 95355-9206
Document Number	0000003569
Map Reference	VOL 31 PG 22
Instrument Date	Jan 5, 2022
Instrument	2022-0003569
Transaction Type	Transfer
Record Updated	Jan 28, 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	2708 MILL OAK DR, MODESTO, CA 95355-9206

Mortgage

Document Number	0000003570
Date	Jan 19, 2022
Instrument	2022-0003570

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	2708 MILL OAK DR, MODESTO, CA 95355-9206
Transaction Type	Mortgage
Record Updated	May 28, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2708 MILL OAK DR, MODESTO, CA 95355-9206

Mortgage

Document Number	0000047237
Date	May 17, 2021
Instrument	2021-0047237

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Mar 1, 2048

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Feb 9, 2018
Property Address	2708 MILL OAK DR, MODESTO, CA 95355-9206
Document Number	0000008812
Map Reference	VOL31 PG22
Instrument Date	Feb 7, 2018
Instrument	2018-0008812
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2708 MILL OAK DR, MODESTO, CA 95355-9206

Mortgage

Document Number	0000008813
Date	Feb 9, 2018
Instrument	2018-0008813

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Oct 4, 2017
Property Address	2708 MILL OAK DR, MODESTO, CA 95355-9206
Document Number	0000073087
Instrument Date	Oct 2, 2017
Instrument	73087
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1305 CHARDONNAY CT MODESTO CA 953515107, MODESTO, CA 95351-5107

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Oct 4, 2017
Property Address	2708 MILL OAK DR, MODESTO, CA 95355-9206
Document Number	0000073086
Map Reference	VOL31 PG22
Instrument Date	Sep 14, 2017
Instrument	2017-0073086
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	1305 CHARDONNAY CT, MODESTO, CA 95351-5107

Tax Assessment & Valuation

Source: Stanislaus County assessment roll, as of October 8, 2025

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
2025	$3,771.00 (+3.8%)	$341,344 (+4.04%) Land $142,226 Building $199,118
2023	$3,633.00 (+4.22%)	$328,091 Land $136,704 Building $191,387
2022	$3,486.00

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 · 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	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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 836 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
ezWave Fixed Wireless	1,000 / 200
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Ayera Technologies, Verizon.

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