3905 Ruisdael Dr, Modesto, CA 95356 Property Records

Stanislaus County property record for 3905 Ruisdael Dr, Modesto, CA 95356

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,556 sqft · built 1990
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Nov 2013)
Tax Bill	$8,931 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2026 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`076-056-036-000`

Property Details

APN / Parcel Number

Primary APN	`076-056-036-000`
Alternative APN	`0765636000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,556 sqft Living Area
1st Floor Area	3,556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	9,583 sqft (0.22 acres)
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Pool
Patio Area	106 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3905 RUISDAEL DR
City	MODESTO
State	CA
Zip	95356-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DUTCH MEADOWS NO 2 BLK 13568 LOT 10
Legal Subdivision	DUTCH MDW 02
Legal Block	13568
Legal Lot Number	10
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	1
Census Block	1001
Census Tract	512

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	2 Individual Names on Record
Mailing Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Line of Credit MOCSE FEDERAL CREDIT UNION
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit MOCSE FCU
Mar 10, 2023	Intrafamily Transfer, Transfer
Mar 10, 2023	Intrafamily Transfer, Transfer
Aug 5, 2022	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit MODESTOS FIRST FCU
Aug 4, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 28, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF STOCKTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2013 · Amount on Record
Deed Sale	Nov 6, 2013 · Amount on Record
Prior Sale	Sep 7, 2004 · Amount on Record
Deed Document Number	201392439
Last Transfer Date	Dec 29, 2022
Transfer Doc	0000011318
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Recording Date	Jun 2, 2026
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Document Number	0000030590
Instrument Date	May 27, 2026
Instrument	202630590
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409

Mortgage

Document Number	0000030590,
Date	Jun 2, 2026
Instrument	202630590

Lender

Name	MOCSE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Transaction Type	Mortgage
Record Updated	Feb 26, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409

Mortgage

Document Number	0000009311
Date	Feb 13, 2026
Instrument	2026-0009311

Lender

Name	MOCSE FCU
Type	Credit Union
Address	MODESTO, CA 95355

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 12, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Mar 10, 2023
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Document Number	0000011319
Map Reference	VOL 31 PG 30
Instrument Date	Dec 29, 2022
Instrument	2023-0011319
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Mar 10, 2023
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Document Number	0000011318
Map Reference	VOL 31 PG 30
Instrument Date	Dec 29, 2022
Instrument	2023-0011318
Transaction Type	Transfer
Record Updated	Mar 22, 2023

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
Relationship	Community Property with Right of Survivorship
Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409

Mortgage

Document Number	0000054091
Date	Aug 5, 2022
Instrument	2022-0054091

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	297 Months
Due	May 1, 2047

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409

Mortgage

Document Number	0000044768
Date	Jun 21, 2022
Instrument	2022-0044768

Lender

Name	MODESTOS FIRST FCU
Type	Credit Union
Address	MODESTO, CA 95354

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	96 Months
Due	Jun 15, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057181
Date	Aug 4, 2020
Instrument	2020-0057181

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Jun 1, 2046

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3905 RUISDAEL DR, MODESTO, CA 95356-2409
Document Number	0000043756
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3905 RUISDAEL DR MODESTO CA 953562409, MODESTO, CA 95356-2409

Mortgage

Document Number	0000043756
Date	Jul 8, 2019
Instrument	43756

Lender

Name	BANK OF STOCKTON
Type	Bank
Address	STOCKTON, CA 95201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Modesto City
Secondary School District	Modesto City High School District (09 - 12)
Elementary School District	Stanislaus Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$8,931.00 (+2.06%) Homeowner's exemption	$781,476 (+2%) Land $100,023 Building $681,453
2025	$8,751.00 (+5.62%) Homeowner's exemption	$766,154 (+4.04%) Land $98,062 Building $668,092
2023	$8,285.00 (+2.82%) Homeowner's exemption	$736,405 Land $94,255 Building $642,150
2022	$8,058.00

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	2 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MODESTO serves 218,915 people · EPA ID CA5010010
Water Source	Purchased surface water from MODESTO IRRIGATION DISTRICT
Last State Inspection	Jan 2025
Lead	12 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 649 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Ayera Technologies, ezWave, Matrix Broadband.

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