3604 Lauding Way, Modesto, CA 95355 Property Records

Stanislaus County property record for 3604 Lauding Way, Modesto, CA 95355

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,592 sqft · built 2002
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,909 (Nov 2016)
Tax Bill	$4,087 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`085-043-032-000`

Property Details

APN / Parcel Number

Primary APN	`085-043-032-000`
Alternative APNs	`0854332000` `0854332`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,592 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Wood
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3604 LAUDING WAY
City	MODESTO
State	CA
Zip	95355-8670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FERNWOOD PHASE 3 (40M06)
Legal Subdivision	FERNWOOD PH 3
Legal Block	1
Legal Lot Number	2
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	1
Census Block	1011
Census Tract	915

Owner

Source: Stanislaus County records, as of April 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3604 LAUDING WAY, MODESTO, CA 95355-8670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jan 26, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Oct 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 30, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2016 · Amount on Record
Deed Sale	Nov 17, 2016 · Amount on Record
Prior Sale	Mar 18, 2003 · Amount on Record
Deed Document Number	201690931
Prior Transfer Date	Jun 24, 2008
Prior Transfer Doc	0000071096
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Recording Date	Apr 17, 2026
Property Address	3604 LAUDING WAY, MODESTO, CA 95355-8670
Document Number	0000021579
Instrument Date	Apr 13, 2026
Instrument	202621579
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3604 LAUDING WAY, MODESTO, CA 95355-8670

Mortgage

Document Number	0000021579,
Date	Apr 17, 2026
Instrument	202621579

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3604 LAUDING WAY, MODESTO, CA 95355-8670
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 LAUDING WAY, MODESTO, CA 95355-8670

Mortgage

Document Number	0000003304
Date	Jan 26, 2024
Instrument	2024-0003304

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3604 LAUDING WAY, MODESTO, CA 95355-8670
Transaction Type	Mortgage
Record Updated	Oct 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 LAUDING WAY, MODESTO, CA 95355-8670

Mortgage

Document Number	0000066588
Date	Oct 6, 2022
Instrument	2022-0066588

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3604 LAUDING WAY, MODESTO, CA 95355-8670
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 LAUDING WAY, MODESTO, CA 95355-8670

Mortgage

Document Number	0000098051
Date	Nov 30, 2020
Instrument	2020-0098051

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

Source: Stanislaus County assessment roll, as of October 8, 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,087.00 (+4.23%)	$331,921 (+4.04%) Land $127,661 Building $204,260
2023	$3,921.00 (+4.23%)	$319,033 Land $122,704 Building $196,329
2022	$3,762.00

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 · 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

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

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% 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 687 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
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Spectrum.

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