3682 Valley Oak Dr, Ceres, CA 95307 Property Records

Stanislaus County property record for 3682 Valley Oak Dr, Ceres, CA 95307

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,844 sqft · built 2005
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (May 2017)
Tax Bill	$5,652 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`069-029-080-000`

Property Details

APN / Parcel Number

Primary APN	`069-029-080-000`
Alternative APN	`0692980000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,844 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	3682 VALLEY OAK DR
City	CERES
State	CA
Zip	95307-7105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLAREMONT OAKS #2 (41M54) BLK 6743 LOT 13
Legal Subdivision	CLAREMONT OAKS PH 02
Legal Block	6743
Legal Lot Number	13
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	1
Census Block	1009
Census Tract	3003

Owner

3682 Valley Oak Dr is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
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
Nov 19, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage MIDFIRST BANK
Jun 29, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jul 27, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Apr 5, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
May 18, 2020	Deed of Trust, Mortgage · Reverse Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 25, 2019	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
May 19, 2017	Grant Deed, Transfer · Conventional with PMI ARGUS LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2017 · Amount on File
Deed Sale	May 19, 2017 · Amount on File
Prior Sale	Nov 18, 2009 · Amount on File
Deed Document Number	201736478
Prior Transfer Date	Jul 23, 2009
Prior Transfer Doc	0000074519
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
Transaction Type	Mortgage
Record Updated	Dec 2, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3682 VALLEY OAK DR, CERES, CA 95307-7105

Mortgage

Document Number	0000057217
Date	Nov 19, 2025
Instrument	2025-0057217

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	295 Months
Due	Jun 1, 2050

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
Transaction Type	Mortgage
Record Updated	Jul 18, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3682 VALLEY OAK DR, CERES, CA 95307-7105

Mortgage

Document Number	0000029376
Date	Jun 29, 2023
Instrument	2023-0029376

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jun 1, 2050

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3682 VALLEY OAK DR, CERES, CA 95307-7105

Mortgage

Document Number	0000052317
Date	Jul 27, 2022
Instrument	2022-0052317

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Jun 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
Transaction Type	Mortgage
Record Updated	Apr 14, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3682 VALLEY OAK DR, CERES, CA 95307-7105

Mortgage

Document Number	0000024976
Date	Apr 5, 2022
Instrument	2022-0024976

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Jun 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033640
Date	May 18, 2020
Instrument	2020-0033640

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender
Address	HENDERSON, NV 89052

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065453
Date	Sep 25, 2019
Instrument	2019-0065453

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 19, 2017
Property Address	3682 VALLEY OAK DR, CERES, CA 95307-7105
Document Number	0000036478
Instrument Date	May 3, 2017
Instrument	36478
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$418.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3682 VALLEY OAK DR CERES CA 953077105, CERES, CA 95307-7105

Mortgage

Document Number	36479
Date	May 19, 2017
Instrument	36479

Lender

Name	ARGUS LENDING
Type	Funding / Finance Company
Address	PLEASANT HILL, CA 94523

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 18, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3682 Valley Oak Dr was $5,652, up 0.2% 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	$5,652.00 (+0.16%)	$449,838 (+2%) Land $124,295 Building $325,543
2025	$5,643.00	$441,018 Land $121,858 Building $319,160
2023	$5,159.00 (+1.12%)	$423,894 Land $117,127 Building $306,767
2022	$5,102.00

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

Flood

FEMA maps place 3682 Valley 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 3682 Valley 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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