3682 Whispering Oak Dr, Ceres, CA 95307 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,391 sqft · built 2005
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Feb 2009)
Tax Bill	$4,400 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`069-029-054-000`

Property Details

APN / Parcel Number

Primary APN	`069-029-054-000`
Alternative APN	`0692954000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	3,391 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	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3682 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 13
Legal Subdivision	CLAREMONT OAKS PH 02
Legal Block	6745
Legal Lot Number	13
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	1
Census Block	1011
Census Tract	3003

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit VALLEY FIRST CREDIT UNION
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Mar 28, 2017	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA
Mar 28, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage ATTORNEYS FUNDING GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2009 · Amount on Record
Deed Sale	Feb 13, 2009 · Amount on Record
Prior Sale	Jan 5, 2009 · Amount on Record
Deed Document Number	200913818
Last Transfer Date	Mar 8, 2017
Transfer Doc	0000021557
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Recording Date	Sep 23, 2026
Property Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108
Document Number	0000051415
Instrument Date	Sep 16, 2026
Instrument	202651415
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108

Mortgage

Document Number	0000051415,
Date	Sep 23, 2026
Instrument	202651415

Lender

Name	VALLEY FIRST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 25, 2051

Interest

Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	NORTH AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108

Mortgage

Document Number	0000107426
Date	Dec 29, 2020
Instrument	2020-0107426

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Type	Non-Lending Institution
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Mar 28, 2017
Property Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108
Document Number	0000021558
Instrument Date	Mar 21, 2017
Instrument	21558
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TITLE CO/NTHRN CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3682 WHISPERING OAK DR CERES CA 953077108, CERES, CA 95307-7108

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Mar 28, 2017
Property Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108
Document Number	0000021557
Map Reference	MAP41 PG54
Instrument Date	Mar 8, 2017
Instrument	2017-0021557
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ORANGE COAST TITLE CO NORCAL

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3682 WHISPERING OAK DR, CERES, CA 95307-7108

Mortgage

Document Number	0000021559
Date	Mar 28, 2017
Instrument	2017-0021559

Lender

Name	ATTORNEYS FUNDING GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

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	$4,400.00 (+0.27%) Homeowner's exemption	$347,550 (+2%) Land $77,834 Building $269,716
2025	$4,388.00 (+9.37%) Homeowner's exemption	$340,736 (+4.04%) Land $76,308 Building $264,428
2023	$4,012.00 (+1.24%) Homeowner's exemption	$327,507 Land $73,346 Building $254,161
2022	$3,963.00

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	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

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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