3654 Whispering Oak Dr, Ceres, CA 95307 Property Records

Stanislaus County property record for 3654 Whispering Oak Dr, Ceres, CA 95307

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,844 sqft · built 2005
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Jan 2020)
Tax Bill	$6,248 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`069-029-056-000`

Property Details

APN / Parcel Number

Primary APN	`069-029-056-000`
Alternative APN	`0692956000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,844 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Lot Area	6,500 sqft (0.149 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3654 WHISPERING OAK DR
City	CERES
State	CA
Zip	95307-7108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLAREMONT OAKS #2 (41M54) BLK 6745 LOT 11
Legal Subdivision	CLAREMONT OAKS PH 02
Legal Block	6745
Legal Lot Number	11
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	1
Census Block	1011
Census Tract	3003

Owner

3654 Whispering Oak Dr is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3654 WHISPERING OAK DR, CERES, CA 95307-7108
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
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage THELENDER
Jan 14, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2020 · Amount on File
Deed Sale	Jan 14, 2020 · Amount on File
Prior Sale	Dec 12, 2005 · Amount on File
Deed Document Number	20202066
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3654 WHISPERING OAK DR, CERES, CA 95307-7108
Document Number	0000087823
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3654 WHISPERING OAK DR CERES CA 953077108, CERES, CA 95307-7108

Mortgage

Document Number	0000087823
Date	Nov 9, 2020
Instrument	87823

Lender

Name	THELENDER
Address	ST PETERS, MO 63376

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jan 14, 2020
Property Address	3654 WHISPERING OAK DR, CERES, CA 95307-7108
Document Number	0000002066
Map Reference	MB 41 PG 54
Instrument Date	Jan 10, 2020
Instrument	2020-0002066
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3654 WHISPERING OAK DR, CERES, CA 95307-7108

Mortgage

Document Number	0000002067
Date	Jan 14, 2020
Instrument	2020-0002067

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3654 Whispering Oak Dr was $6,248, up 0.1% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Ceres City
Unified School District	Ceres Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,248.00 (+0.13%)	$501,978 (+2%) Land $117,126 Building $384,852
2025	$6,240.00	$492,136 Land $114,830 Building $377,306
2023	$5,704.00 (+1.1%)	$473,027 Land $110,372 Building $362,655
2022	$5,642.00

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

Flood

FEMA maps place 3654 Whispering Oak Dr in Zone X, an area of minimal flood risk.

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	1 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

The area around 3654 Whispering Oak Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 794 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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