3815 E Central Ave, Fresno, CA 93725 Property Records

Fresno County property record for 3815 E Central Ave, Fresno, CA 93725

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,176 sqft · built 2004
Lot Size	2.38 acres (104,108 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,430 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`331-090-86`

Property Details

APN / Parcel Number

Primary APN	`331-090-86`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,176 sqft Living Area
1st Floor Area	2,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	104,108 sqft
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration

Location & Zoning

Street Address	3815 E CENTRAL AVE
City	FRESNO
State	CA
Zip	93725-9243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AL20
Legal Description	2.39 AC IN NE1/4 OF NE1/4 SEC 31 T14R21
Legal Range	21E
Legal Township	14S
Legal Section	31
Jurisdiction	FRESNO CA
Township / Civil Division	FRESNO
Census Block Group	2
Census Block	2025
Census Tract	1500

Owner

Source: Fresno County records, as of August 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3815 E CENTRAL AVE, FRESNO, CA 93725-9243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Line of Credit NOBLE FCU
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage BOFI FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 6, 2004
Transfer Doc	0000082555
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	3815 E CENTRAL AVE, FRESNO, CA 93725-9243
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 E CENTRAL AVE, FRESNO, CA 93725-9243

Mortgage

Document Number	0000010010
Date	Jan 25, 2022
Instrument	2022-0010010

Lender

Name	NOBLE FCU
Type	Credit Union
Address	FRESNO, CA 93727

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	3815 E CENTRAL AVE, FRESNO, CA 93725-9243
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	CHICAGO TITLE FRESNO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 E CENTRAL AVE, FRESNO, CA 93725-9243

Mortgage

Document Number	0000012057
Date	Jan 26, 2021
Instrument	2021-0012057

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	3815 E CENTRAL AVE, FRESNO, CA 93725-9243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LSI TITLE COMPANY ER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040154
Date	Apr 6, 2018
Instrument	2018-0040154

Lender

Name	BOFI FEDERAL BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Fresno County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Fresno County
Unified School District	Fowler Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$460,957 (+2%) Land $60,261 Building $400,696
2025	$5,430.00 (+9.04%) Homeowner's exemption	$451,920 (+4.04%) Land $59,080 Building $392,840
2023	$4,980.00 (+3.19%) Homeowner's exemption	$434,374 Land $56,787 Building $377,587
2022	$4,826.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks, Kingsburg Media Foundation, T-Mobile.

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