3973 River Springs Way, Ceres, CA 95307 Property Records

Stanislaus County property record for 3973 River Springs Way, Ceres, CA 95307

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,780 sqft · built 2003
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jul 2017)
Tax Bill	$5,030 (2026)
Deeds & Mortgages	Jul 2020 Mortgage May 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`086-027-030-000`

Property Details

APN / Parcel Number

Primary APN	`086-027-030-000`
Alternative APNs	`0862730000` `0862730`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	2,780 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3973 RIVER SPRINGS WAY
City	CERES
State	CA
Zip	95307-7342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROWN ESTATES #5 (40-M-33) BLK 4163 LOT 28
Legal Subdivision	BROWN ESTATES #5
Legal Block	4163
Legal Lot Number	28
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2007
Census Tract	2505

Owner

3973 River Springs Way is owned and occupied by two individuals who acquired it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3973 RIVER SPRINGS WAY, CERES, CA 95307-7342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
May 25, 2021	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jun 22, 2018	Quit Claim Deed, Transfer · Conventional Mortgage PENNYMAC
Jul 17, 2017	Quit Claim Deed, Transfer CYPRESS TITLE COMPANY, CYPRESS TITLE CO
Jul 17, 2017	Grant Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2017 · Amount on File
Deed Sale	Jul 17, 2017 · Amount on File
Prior Sale	Aug 21, 2009 · Amount on File
Deed Document Number	201751275
Last Transfer Date	Jun 12, 2018
Transfer Doc	0000043058
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3973 RIVER SPRINGS WAY, CERES, CA 95307-7342
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053929
Date	Jul 28, 2020
Instrument	2020-0053929

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	3973 RIVER SPRINGS WAY, CERES, CA 95307-7342
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3973 RIVER SPRINGS WAY, CERES, CA 95307-7342

Mortgage

Document Number	0000050252
Date	May 25, 2021
Instrument	2021-0050252

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jun 22, 2018
Property Address	3973 RIVER SPRINGS WAY, CERES, CA 95307-7342
Document Number	0000043058
Instrument Date	Jun 12, 2018
Instrument	43058
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	TITLE 365

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3973 RIVER SPRINGS WAY CERES CA 953077342, CERES, CA 95307-7342

Mortgage

Document Number	43059
Date	Jun 22, 2018
Instrument	43059

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 21, 2033

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 17, 2017
Property Address	3973 RIVER SPRINGS WAY, CERES, CA 95307-7342
Document Number	0000051276
Instrument Date	Jul 12, 2017
Instrument	51276
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	CYPRESS TITLE COMPANY, CYPRESS TITLE CO

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	3973 RIVER SPRINGS WAY CERES CA 953077342, CERES, CA 95307-7342

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 17, 2017
Property Address	3973 RIVER SPRINGS WAY, CERES, CA 95307-7342
Document Number	0000051275
Instrument Date	Jul 12, 2017
Instrument	51275
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	CYPRESS TITLE COMPANY, CYPRESS TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3973 RIVER SPRINGS WAY CERES CA 953077342, CERES, CA 95307-7342

Mortgage

Document Number	51277
Date	Jul 17, 2017
Instrument	51277

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3973 River Springs Way was $5,030 with a homeowner's exemption, up 0.4% 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	$5,030.00 (+0.44%) Homeowner's exemption	$430,013 (+2%) Land $104,450 Building $325,563
2025	$5,008.00 Homeowner's exemption	$421,582 Land $102,402 Building $319,180
2023	$4,586.00 (+0.42%) Homeowner's exemption	$405,214 Land $98,427 Building $306,787
2022	$4,567.00

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

Flood

FEMA maps place 3973 River Springs Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 23, 2022

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

Wildfire risk around 3973 River Springs Way is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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 529 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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