Stanislaus County property record for 3697 Whispering Oak Dr, Ceres, CA 95307
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,502 sqft · built 2005 |
| Lot Size | 0.177 acres (7,713 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Apr 2012) |
| Tax Bill | $3,435 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 069-029-078-000 |
| Primary APN | 069-029-078-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,502 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Lot Area | 7,713 sqft (0.177 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3697 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 6743 LOT 15 |
| Legal Subdivision | CLAREMONT OAKS PH 02 |
| Legal Block | 6743 |
| Legal Lot Number | 15 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | MODESTO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 3003 |
3697 Whispering Oak Dr is owned and occupied by two individuals who acquired it in November 2016.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3697 WHISPERING OAK DR, CERES, CA 95307-7108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2012 · Amount on File |
| Deed Sale | Apr 6, 2012 · Amount on File |
| Prior Sale | Jan 21, 2010 · Amount on File |
| Deed Document Number | 201229765 |
| Last Transfer Date | Nov 30, 2016 |
| Transfer Doc | 0000096480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 3697 WHISPERING OAK DR, CERES, CA 95307-7108 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3697 WHISPERING OAK DR, CERES, CA 95307-7108 |
| Document Number | 0000062744 |
|---|---|
| Date | Sep 20, 2022 |
| Instrument | 2022-0062744 |
| Name | FARMERS & MERCHANTS BANK OF CENTRAL CA |
|---|---|
| Type | Bank |
| Address | LODI, CA 95241 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 3697 Whispering Oak Dr was $3,435, up 0.4% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Stanislaus County |
| Municipality | Ceres City |
| Unified School District | Ceres Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,435.00 (+0.35%) | $256,222 (+2%) Land $76,864 Building $179,358 |
| 2025 | $3,423.00 | $251,199 Land $75,357 Building $175,842 |
| 2023 | $3,135.00 (+1.29%) | $241,447 Land $72,432 Building $169,015 |
| 2022 | $3,095.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3697 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.
The area around 3697 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.
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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