3620 Lauding Way, Modesto, CA 95355 Property Records

Stanislaus County property record for 3620 Lauding Way, Modesto, CA 95355

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,905 sqft · built 2003
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jun 2003)
Tax Bill	$4,597 (2026)
Deeds & Mortgages	Sep 2023 Second Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`085-043-028-000`

Property Details

APN / Parcel Number

Primary APN	`085-043-028-000`
Alternative APNs	`0854328000` `0854328`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,905 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	6,534 sqft (0.15 acres)
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3620 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 03
Legal Block	1
Legal Lot Number	6
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	1
Census Block	1011
Census Tract	915

Owner

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 Record
Mailing Address	3620 LAUDING WAY, MODESTO, CA 95355-8670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2003 · Amount on Record
Deed Sale	Jun 26, 2003 · Amount on Record
Deed Document Number	2003104589
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3620 LAUDING WAY, MODESTO, CA 95355-8670
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	FIRST AMERICAN TITLE IN, FIRST AMERICAN TITLE INSUR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 LAUDING WAY, MODESTO, CA 95355-8670

Mortgage

Document Number	0000043016
Date	Sep 12, 2023
Instrument	2023-0043016

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3620 LAUDING WAY, MODESTO, CA 95355-8670
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 LAUDING WAY, MODESTO, CA 95355-8670

Mortgage

Document Number	0000099195
Date	Dec 2, 2020
Instrument	2020-0099195

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3620 LAUDING WAY, MODESTO, CA 95355-8670
Document Number	0000080067
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3620 LAUDING WAY MODESTO CA 953558670, MODESTO, CA 95355-8670

Mortgage

Document Number	0000080067
Date	Oct 30, 2017
Instrument	80067

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 29, 2032

Tax Assessment & Valuation

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

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
2026	$4,597.00 (+2.52%) Homeowner's exemption	$382,414 (+2%) Land $110,786 Building $271,628
2025	$4,484.00 (+4.25%) Homeowner's exemption	$374,916 (+4.04%) Land $108,614 Building $266,302
2023	$4,301.00 (+4.27%) Homeowner's exemption	$360,360 Land $104,398 Building $255,962
2022	$4,125.00

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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