3005 Vernal Dr, Ceres, CA 95307 Property Records

Stanislaus County property record for 3005 Vernal Dr, Ceres, CA 95307

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,427 sqft · built 1978
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Trust Names on File
Last Sale	$88,000 (May 1997)
Tax Bill	$1,682 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053-004-034-000`

Property Details

APN / Parcel Number

Primary APN	`053-004-034-000`
Alternative APNs	`0530434000` `0530434`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,427 sqft Living Area
1st Floor Area	1,427 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Block
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	2 Parking Spaces
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3005 VERNAL DR
City	CERES
State	CA
Zip	95307-3901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 5575 ROEDING HEIGHTS
Legal Subdivision	ORCHARD ESTATES
Legal Block	5575
Legal Lot Number	6
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2021
Census Tract	2602

Owner

3005 Vernal Dr is owner-occupied and held in a trust since August 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	3005 VERNAL DR, CERES, CA 95307-3901
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 27, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 1997 · Amount on File
Deed Sale	May 16, 1997 · Amount on File
Prior Sale	Sep 9, 1994 · Amount on File
Deed Document Number	199738007
Last Transfer Date	Aug 8, 2024
Transfer Doc	0000037409
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Recording Date	Sep 3, 2026
Property Address	3005 VERNAL DR, CERES, CA 95307-3901
Document Number	0000048251
Instrument Date	Aug 20, 2026
Instrument	202648251
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	WFG LENDER SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	3005 VERNAL DR, CERES, CA 95307-3901
Investor	Possibly a Property Investor

Mortgage

Document Number	0000048251,
Date	Sep 3, 2026
Instrument	202648251

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2056

Interest

Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3005 VERNAL DR, CERES, CA 95307-3901
Document Number	0000070343
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3005 VERNAL DR CERES CA 953073901, CERES, CA 95307-3901

Mortgage

Document Number	0000070343
Date	Oct 9, 2018
Instrument	70343

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3005 VERNAL DR, CERES, CA 95307-3901
Document Number	0000024439
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3005 VERNAL DR CERES CA 953073901, CERES, CA 95307-3901

Mortgage

Document Number	0000024439
Date	Apr 5, 2017
Instrument	24439

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 4, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 3005 Vernal Dr was $1,682, up 0.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,682.00 (+0.12%)	$146,176 (+2%) Land $39,863 Building $106,313
2025	$1,680.00	$143,311 Land $39,082 Building $104,229
2023	$1,532.00 (+0.79%)	$137,748 Land $37,565 Building $100,183
2022	$1,520.00

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

Flood

FEMA maps place 3005 Vernal Dr 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 3005 Vernal Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.04% 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 CERES serves 54,513 people · EPA ID CA5010028
Water Source	Purchased surface water from STANISLAUS REGIONAL WATER AUTHORITY
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
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: Verizon.

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