3910 Bella Flora Dr, Ceres, CA 95307 Property Records

Stanislaus County property record for 3910 Bella Flora Dr, Ceres, CA 95307

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,157 sqft · built 2004
Lot Size	0.143 acres (6,210 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Aug 2017)
Tax Bill	$4,886 (2026)
Deeds & Mortgages	May 2026 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`069-039-013-000`

Property Details

APN / Parcel Number

Primary APN	`069-039-013-000`
Alternative APN	`0693913000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,157 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	6,210 sqft (0.143 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3910 BELLA FLORA DR
City	CERES
State	CA
Zip	95307-7174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAPISTRANO UNIT #2 (41M66) BLK 6724 LOT 18
Legal Subdivision	CAPISTRANO 02
Legal Block	6724
Legal Lot Number	18
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4022
Census Tract	3003

Owner

3910 Bella Flora Dr is owned and occupied by an individual who acquired it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3910 BELLA FLORA DR, CERES, CA 95307-7174
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
May 6, 2026	Grant Deed, Transfer · Conventional Mortgage VALLEYTRUST FEDERAL CREDIT UNION
Nov 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 25, 2017	Grant Deed, Transfer · Conventional with PMI NEWFI LNDG
May 24, 2017	Quit Claim Deed, Transfer NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO
Apr 3, 2017	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2017 · Amount on File
Deed Sale	Aug 25, 2017 · Amount on File
Prior Sale	Apr 3, 2017 · Amount on File
Deed Document Number	201762535
Last Transfer Date	Oct 26, 2020
Transfer Doc	0000085801
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 6, 2026
Property Address	3910 BELLA FLORA DR, CERES, CA 95307-7174
Document Number	0000025038
Instrument Date	Apr 30, 2026
Instrument	202625038
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3910 BELLA FLORA DR, CERES, CA 95307-7174

Mortgage

Document Number	0000025039,
Date	May 6, 2026
Instrument	202625039

Lender

Name	VALLEYTRUST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Nov 3, 2020
Property Address	3910 BELLA FLORA DR, CERES, CA 95307-7174
Document Number	0000085801
Map Reference	MB 41 PG 86
Instrument Date	Oct 26, 2020
Instrument	2020-0085801
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

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	Joint Tenants
Address	3910 BELLA FLORA DR, CERES, CA 95307-7174

Mortgage

Document Number	0000085802
Date	Nov 3, 2020
Instrument	2020-0085802

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Aug 25, 2017
Property Address	3910 BELLA FLORA DR, CERES, CA 95307-7174
Document Number	0000062535
Instrument Date	Aug 23, 2017
Instrument	62535
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3910 BELLA FLORA DR CERES CA 953077174, CERES, CA 95307-7174

Mortgage

Document Number	62536
Date	Aug 25, 2017
Instrument	62536

Lender

Name	NEWFI LNDG
Address	EMERYVILLE, CA 94608

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 24, 2017
Property Address	3910 BELLA FLORA DR, CERES, CA 95307-7174
Document Number	0000037244
Instrument Date	May 20, 2017
Instrument	37244
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3012 COLLINGHAM CT MODESTO CA 953558679, MODESTO, CA 95355-8679

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	STANISLAUS CA
Recording Date	Apr 3, 2017
Property Address	3910 BELLA FLORA DR, CERES, CA 95307-7174
Document Number	0000023807
Instrument Date	Mar 22, 2017
Instrument	23807
Transaction Type	Foreclosure
Record Updated	Apr 11, 2017

Transaction

Amount	Amount on Record
Tax	$330.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3012 COLLINGHAM CT MODESTO CA 953558679, MODESTO, CA 95355-8679

Tax Assessment & Valuation

The 2026 property tax bill for 3910 Bella Flora Dr was $4,886, 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	$4,886.00 (+0.21%)	$382,987 (+2%) Land $121,858 Building $261,129
2025	$4,876.00	$375,478 Land $119,469 Building $256,009
2023	$4,460.00 (+1.16%)	$360,900 Land $114,831 Building $246,069
2022	$4,409.00

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

Flood

FEMA maps place 3910 Bella Flora 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	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

Wildfire risk around 3910 Bella Flora Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 545 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 Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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