3104 Ridgemont Way, Modesto, CA 95355 Property Records

Stanislaus County property record for 3104 Ridgemont Way, Modesto, CA 95355

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,911 sqft · built 2003
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$296,000 (Dec 2015)
Tax Bill	$5,013 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`085-044-044-000`

Property Details

APN / Parcel Number

Primary APN	`085-044-044-000`
Alternative APNs	`0854444000` `0854444`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,911 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3104 RIDGEMONT WAY
City	MODESTO
State	CA
Zip	95355-7873
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAWSONS TWENTY (40M19)
Legal Subdivision	LAWSONS TWENTY
Legal Block	2
Legal Lot Number	44
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2013
Census Tract	915

Owner

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

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	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Sep 16, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 22, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jul 19, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2015 · Amount on Record
Deed Sale	Dec 10, 2015 · Amount on Record
Prior Sale	Oct 10, 2008 · Amount on Record
Deed Document Number	201595623
Last Transfer Date	Jun 8, 2016
Transfer Doc	0000043659
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873

Mortgage

Document Number	0000053780
Date	Oct 30, 2025
Instrument	2025-0053780

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873
Transaction Type	Mortgage
Record Updated	Sep 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873

Mortgage

Document Number	0000088694
Date	Sep 16, 2021
Instrument	2021-0088694

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060853
Date	Aug 17, 2020
Instrument	2020-0060853

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873
Document Number	0000055250
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Sep 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3104 RIDGEMONT WAY MODESTO CA 953557873, MODESTO, CA 95355-7873

Mortgage

Document Number	0000055250
Date	Aug 21, 2019
Instrument	55250

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2049

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3104 RIDGEMONT WAY, MODESTO, CA 95355-7873
Document Number	0000074975
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3104 RIDGEMONT WAY MODESTO CA 953557873, MODESTO, CA 95355-7873

Mortgage

Document Number	0000074975
Date	Oct 29, 2018
Instrument	74975

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2026	$5,013.00 (+2.43%) Homeowner's exemption	$420,192 (+2%) Land $102,632 Building $317,560
2025	$4,894.00 (+4.24%) Homeowner's exemption	$411,954 (+4.04%) Land $100,620 Building $311,334
2023	$4,695.00 (+4.24%) Homeowner's exemption	$395,960 Land $96,714 Building $299,246
2022	$4,504.00

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

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

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.

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 775 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
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

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