3412 Penny Ln, Modesto, CA 95354 Property Records

Stanislaus County property record for 3412 Penny Ln, Modesto, CA 95354

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,289 sqft · built 1993
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Mar 2009)
Tax Bill	$1,834 (2026)
Deeds & Mortgages	Feb 2019 Loan Modification Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033-091-074-000`

Property Details

APN / Parcel Number

Primary APN	`033-091-074-000`
Alternative APNs	`0339174000` `0339174`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,289 sqft Living Area
1st Floor Area	1,289 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Wood
Lot Area	4,792 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3412 PENNY LN
City	MODESTO
State	CA
Zip	95354-2180
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DRY CRK VISTA UN 2 LOT 45 BLOCK 2832
Legal Subdivision	DRY CRK VISTA UN 02
Legal Block	2
Legal Lot Number	45
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2000
Census Tract	2005

Owner

3412 Penny Ln is owned and occupied by two individuals who bought it in March 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	3412 PENNY LN, MODESTO, CA 95354-2180
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
Feb 8, 2019	Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA
Feb 8, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2009 · Amount on File
Deed Sale	Mar 31, 2009 · Amount on File
Prior Sale	Nov 19, 2008 · Amount on File
Deed Document Number	200931156
Prior Transfer Date	Nov 13, 2008
Prior Transfer Doc	0000123245
Record Updated	Oct 29, 2026

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	STANISLAUS CA
Property Address	3412 PENNY LN, MODESTO, CA 95354-2180
Document Number	0000011608
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3412 PENNY LN MODESTO CA 953542180, MODESTO, CA 95354-2180

Mortgage

Document Number	0000011608
Date	Feb 27, 2019
Instrument	11608

Lender

Name	BANK OF AMERICA
Type	Bank
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2049

Interest

Rate	5.12%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3412 PENNY LN, MODESTO, CA 95354-2180
Document Number	0000011609
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3412 PENNY LN MODESTO CA 953542180, MODESTO, CA 95354-2180

Mortgage

Document Number	0000011609
Date	Feb 27, 2019
Instrument	11609

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 3412 Penny Ln was $1,834 with a homeowner's exemption, up 1.7% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Modesto City
Elementary School District	Empire Union Elementary School District (KG - 08)
Secondary School District	Modesto City High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,834.00 (+1.72%) Homeowner's exemption	$177,308 (+2%) Land $52,533 Building $124,775
2025	$1,803.00 Homeowner's exemption	$173,832 Land $51,503 Building $122,329
2023	$2,315.00 (+12.05%) Homeowner's exemption	$167,084 Land $49,504 Building $117,580
2022	$2,066.00

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

Flood

FEMA maps place 3412 Penny Ln 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 3412 Penny Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.01% 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 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

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 915 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
ezWave Fixed Wireless	1,000 / 200
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Ayera Technologies.

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