Stanislaus County property record for 331 Katy Ct, Waterford, CA 95386
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,708 sqft · built 2003 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Jun 2015) |
| Tax Bill | $3,493 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-030-047-000 |
| Primary APN | 080-030-047-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,708 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 331 KATY CT |
|---|---|
| City | WATERFORD |
| State | CA |
| Zip | 95386-8824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORCHARD ESTATES (39M75) |
| Legal Subdivision | ORCHARD ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | WATERFORD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 2801 |
331 Katy Ct is owned and occupied by two individuals who bought it in June 2015.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 331 KATY CT, WATERFORD, CA 95386-8824 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2015 · Amount on File |
| Deed Sale | Jun 29, 2015 · Amount on File |
| Prior Sale | Dec 8, 2003 · Amount on File |
| Deed Document Number | 201550137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 331 KATY CT, WATERFORD, CA 95386-8824 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 331 KATY CT, WATERFORD, CA 95386-8824 |
| Document Number | 0000036319 |
|---|---|
| Date | Apr 15, 2021 |
| Instrument | 2021-0036319 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 175 Months |
| Due | Nov 1, 2035 |
The 2026 property tax bill for 331 Katy Ct was $3,493, up 1.5% 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 | $3,493.00 (+1.45%) | $281,944 (+2%) Land $61,290 Building $220,654 |
| 2025 | $3,443.00 | $276,417 Land $60,089 Building $216,328 |
| 2023 | $3,305.00 (+1.54%) | $265,685 Land $57,756 Building $207,929 |
| 2022 | $3,255.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 331 Katy Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1997) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1997 · Severe Storms, Flooding, Mud And Landslides |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 331 Katy Ct is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 65% 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.
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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Ayera Technologies, ezWave, Verizon.
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