Stanislaus County property record for 320 F St, Waterford, CA 95386
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 2 ba · 1,302 sqft · built 1930 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $903 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 134-007-065-000 |
| Primary APN | 134-007-065-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,302 sqft Gross Area |
| 1st Floor Area | 1,302 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 7,405 sqft (0.17 acres) |
| View / Lot | Good |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 320 F ST |
|---|---|
| City | WATERFORD |
| State | CA |
| Zip | 95386-9013 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Subdivision | WATERFORD |
| Legal Block | 2 |
| Legal Lot Number | 27,28 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 2801 |
320 F St, a commercial property, is owned and occupied by two individuals.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 F ST, WATERFORD, CA 95386-9013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 320 F St was $903 with a homeowner's exemption, up 1.8% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Stanislaus County |
| Municipality | Waterford City |
| Unified School District | Waterford Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $903.00 (+1.8%) Homeowner's exemption | $73,094 (+2%) Land $51,784 Building $21,310 |
| 2025 | $887.00 Homeowner's exemption | $71,662 Land $50,769 Building $20,893 |
| 2023 | $848.00 (+1.92%) Homeowner's exemption | $68,882 Land $48,799 Building $20,083 |
| 2022 | $832.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 320 F 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 risk around 320 F St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 488 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 |
| Ayera Technologies Fixed Wireless | 1,000 / 500 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: ezWave, Verizon.
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