Stanislaus County property record for 3220 Inverness St, Modesto, CA 95355
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,593 sqft · built 2002 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Oct 2015) |
| Tax Bill | $3,520 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2023 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 085-039-017-000 |
| Primary APN | 085-039-017-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,593 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Wood |
| Lot Area | 6,534 sqft (0.15 acres) |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Pool with Hot Tub/Spa |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3220 INVERNESS ST |
|---|---|
| City | MODESTO |
| State | CA |
| Zip | 95355-7854 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ATHERTON PLACE (39M59) |
| Legal Subdivision | ATHERTON PLACE |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | MODESTO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 915 |
3220 Inverness St is owned and occupied by two individuals who bought it in October 2015.
Source: Stanislaus County records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CREDIT UNION |
| Nov 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Sep 17, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Apr 14, 2020 | Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2015 · Amount on File |
| Deed Sale | Oct 9, 2015 · Amount on File |
| Prior Sale | Sep 18, 2009 · Amount on File |
| Deed Document Number | 201580464 |
| Prior Transfer Date | May 22, 2009 |
| Prior Transfer Doc | 0000055262 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Recording Date | Jul 2, 2026 |
| Property Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Document Number | 0000036429 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202636429 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | ATLAS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Document Number | 0000036429, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202636429 |
| Name | STAR ONE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2023 |
| Title Company | FIRST AMERICAN TITLE IN, FIRST AMERICAN TITLE INSUR |
| Name | Verified Name |
|---|---|
| Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Document Number | 0000053409 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 2023-0053409 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Document Number | 0000089142 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 2021-0089142 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 3220 INVERNESS ST, MODESTO, CA 95355-7854 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | NORTH AMERICAN TITLE CO INC |
| Name | Verified Name |
|---|
| Document Number | 0000026142 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 2020-0026142 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2026 property tax bill for 3220 Inverness St was $3,520 with a veteran's exemption, up 2.1% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,520.00 (+2.15%) Veteran's exemption | $458,236 (+2%) Land $102,632 Building $355,604 |
| 2025 | $3,446.00 Veteran's exemption | $449,252 Land $100,620 Building $348,632 |
| 2023 | $3,386.00 (+1.53%) Additional exemption filed | $431,810 Land $96,714 Building $335,096 |
| 2022 | $3,335.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3220 Inverness 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.
The area around 3220 Inverness St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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 232 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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