402 D St, Waterford, CA 95386 Property Records

Stanislaus County property record for 402 D St, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,143 sqft · built 1885
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Tax Bill	$3,009 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`134-010-031-000`

Property Details

APN / Parcel Number

Primary APN	`134-010-031-000`
Alternative APNs	`1341031000` `1341031`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,143 sqft Living Area
1st Floor Area	1,143 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Construction Type	Wood
Lot Area	7,841 sqft (0.18 acres)
Parking Spaces	1 Parking Space
Patio Area	336 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	402 D ST
City	WATERFORD
State	CA
Zip	95386-8813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WATERFORD
Legal Block	2
Legal Lot Number	19&20
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2017
Census Tract	2801

Owner

402 D St is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	402 D ST, WATERFORD, CA 95386-8813
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 23, 2021	Intrafamily Transfer, Transfer · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Sep 10, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jun 5, 2019	Intrafamily Transfer, Transfer · FHA Mortgage VISION ONE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2021
Deed Sale	Aug 23, 2021
Prior Sale	Jun 5, 2019
Deed Document Number	202179884
Prior Transfer Date	Jul 20, 2021
Prior Transfer Doc	0000079884
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Aug 23, 2021
Property Address	402 D ST, WATERFORD, CA 95386-8813
Document Number	0000079884
Map Reference	VOL 1 PG 31
Instrument Date	Jul 20, 2021
Instrument	2021-0079884
Transaction Type	Transfer
Record Updated	Sep 1, 2021

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
Address	402 D ST, WATERFORD, CA 95386-8813

Mortgage

Document Number	0000079885
Date	Aug 23, 2021
Instrument	2021-0079885

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Sep 10, 2020
Property Address	402 D ST, WATERFORD, CA 95386-8813
Document Number	0000068565
Instrument Date	Oct 23, 2019
Instrument	68565
Transaction Type	Transfer
Record Updated	Sep 25, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 D ST WATERFORD CA 953868813, WATERFORD, CA 95386-8813

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Jun 5, 2019
Property Address	402 D ST, WATERFORD, CA 95386-8813
Document Number	0000035828
Map Reference	VOL 1 PG 31
Instrument Date	May 22, 2019
Instrument	2019-0035828
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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	402 D ST, WATERFORD, CA 95386-8813

Mortgage

Document Number	0000035829
Date	Jun 5, 2019
Instrument	2019-0035829

Lender

Name	VISION ONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 402 D St was $3,009, up 1.5% from the year before.

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

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Waterford City
Unified School District	Waterford Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,009.00 (+1.52%)	$241,486 (+2%) Land $84,518 Building $156,968
2025	$2,964.00	$236,752 Land $82,861 Building $153,891
2023	$2,844.00 (+1.61%)	$227,561 Land $79,645 Building $147,916
2022	$2,799.00

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

Flood

FEMA maps place 402 D St 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 402 D St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 WATERFORD serves 8,788 people · EPA ID CA5010006
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	MODESTO IRRIGATION DISTRICT
Lead	Under 1 ppb (2024–2026) 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 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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

May also be available: ezWave, Verizon.

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