321 B St, Waterford, CA 95386 Property Records

Stanislaus County property record for 321 B St, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 680 sqft · built 1945
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (Feb 2010)
Tax Bill	$3,735 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`134-014-026-000`

Property Details

APN / Parcel Number

Primary APN	`134-014-026-000`
Alternative APNs	`1341426000` `1341426`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	680 sqft Living Area
1st Floor Area	680 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Wood
Lot Area	7,841 sqft (0.18 acres)
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	321 B ST
City	WATERFORD
State	CA
Zip	95386-8773
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF WATERFORD BLK 7 LOT 5 & 6
Legal Subdivision	WATERFORD
Legal Block	7
Legal Lot Number	5,6
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2019
Census Tract	2801

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	Individual Name on Record
Mailing Address	668 LOCH NESS DR, WATERFORD, CA 95386-9771
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage GENERATIONS HOME LOANS LLC
Jul 22, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2010 · Amount on Record
Deed Sale	Feb 17, 2010 · Amount on Record
Prior Sale	Oct 14, 2004 · Amount on Record
Deed Document Number	201015828
Last Transfer Date	Nov 2, 2023
Transfer Doc	0000053374
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	321 B ST, WATERFORD, CA 95386-8773
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	AMT TITLE SERVICES CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	668 LOCH NESS DR, WATERFORD, CA 95386-9771

Mortgage

Document Number	0000011998
Date	Mar 2, 2026
Instrument	2026-0011998

Lender

Name	GENERATIONS HOME LOANS LLC
Type	Mortgage Company
Address	MODESTO, CA 95350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Jul 22, 2022
Property Address	321 B ST, WATERFORD, CA 95386-8773
Document Number	0000051361
Map Reference	VOL 1 PG 31
Instrument Date	Jul 11, 2022
Instrument	2022-0051361
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	668 LOCH NESS DR, WATERFORD, CA 95386-9771

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,735.00 (+1.47%)	$307,749 (+2%) Land $228,159 Building $79,590
2025	$3,681.00 (+257.03%)	$301,716 (+377.19%) Land $223,686 Building $78,030
2023	$1,031.00 (+1.98%)	$63,227 Land $24,807 Building $38,420
2022	$1,011.00

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	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

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 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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