3104 Vernal Dr, Ceres, CA 95307 Property Records

Stanislaus County property record for 3104 Vernal Dr, Ceres, CA 95307

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,414 sqft · built 1978
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$283,000 (Jul 2018)
Tax Bill	$3,695 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053-005-006-000`

Property Details

APN / Parcel Number

Primary APN	`053-005-006-000`
Alternative APNs	`0530506000` `0530506`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,414 sqft Living Area
1st Floor Area	1,414 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Block
Construction Type	Wood
Lot Area	6,534 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3104 VERNAL DR
City	CERES
State	CA
Zip	95307-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK 5574 ROEDING HEIGHTS
Legal Subdivision	ROEDING HEIGHTS
Legal Block	5574
Legal Lot Number	13
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2002
Census Tract	2602

Owner

3104 Vernal Dr is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	3104 VERNAL DR, CERES, CA 95307-3904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 31, 2018	Grant Deed, Transfer · FHA Mortgage KRKABOB INCORPORATED

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Prior Sale	Nov 4, 1994 · Amount on File
Deed Document Number	201852114
Prior Transfer Date	Aug 18, 2015
Prior Transfer Doc	0000068259
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3104 VERNAL DR, CERES, CA 95307-3904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3104 VERNAL DR, CERES, CA 95307-3904

Mortgage

Document Number	0000072120
Date	Sep 22, 2020
Instrument	2020-0072120

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 31, 2018
Property Address	3104 VERNAL DR, CERES, CA 95307-3904
Document Number	0000052114
Map Reference	MB26 PG93
Instrument Date	Jul 24, 2018
Instrument	2018-0052114
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3104 VERNAL DR, CERES, CA 95307-3904

Mortgage

Document Number	0000052115
Date	Jul 31, 2018
Instrument	2018-0052115

Lender

Name	KRKABOB INCORPORATED
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3104 Vernal Dr was $3,695.

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	$3,695.00	$322,000 (+2%) Land $119,469 Building $202,531
2025	$3,695.00	$315,687 Land $117,127 Building $198,560
2023	$3,370.00 (+0.84%)	$303,430 Land $112,580 Building $190,850
2022	$3,342.00

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

Flood

FEMA maps place 3104 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 3104 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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