405 The Cove, Modesto, CA 95355 Property Records

Stanislaus County property record for 405 The Cove, Modesto, CA 95355

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,281 sqft · built 2000
Lot Size	0.123 acres (5,371 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,478 (2026)
Deeds & Mortgages	Nov 2020 Transfer Nov 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-029-050-000`

Property Details

APN / Parcel Number

Primary APN	`034-029-050-000`
Alternative APNs	`0342950000` `0342950`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,281 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	5,371 sqft (0.123 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	405 THE CV
City	MODESTO
State	CA
Zip	95355-6004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE BLUFF AT SEVEN FALLS (38M18)
Legal Subdivision	BLUFF/STEVEN FALLS
Legal Block	2
Legal Lot Number	50
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2006
Census Tract	1001

Owner

405 The Cove is owner-occupied and held in a trust since November 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	405 THE CV, MODESTO, CA 95355-6004
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Nov 24, 2020	Intrafamily Transfer, Transfer
Nov 24, 2020	Quit Claim Deed, Transfer OTHER
Jul 15, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF STOCKTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2015
Deed Sale	Aug 31, 2015
Prior Sale	Dec 10, 2010 · Amount on File
Deed Document Number	201569282
Last Transfer Date	Nov 9, 2020
Transfer Doc	0000095049
Record Updated	Oct 29, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Nov 24, 2020
Property Address	405 THE CV, MODESTO, CA 95355-6004
Document Number	0000095051
Map Reference	VOL 38 PG 18
Instrument Date	Nov 24, 2020
Instrument	2020-0095051
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	Revocable Trust
Address	405 THE CV, MODESTO, CA 95355-6004

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Nov 24, 2020
Property Address	405 THE CV, MODESTO, CA 95355-6004
Document Number	0000095049
Instrument Date	Nov 9, 2020
Instrument	95049
Transaction Type	Transfer
Record Updated	Dec 11, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 THE COVE MODESTO CA 953556004, MODESTO, CA 95355-6004

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	405 THE CV, MODESTO, CA 95355-6004
Document Number	0000047268
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 1, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	405 THE COVE MODESTO CA 953556004, MODESTO, CA 95355-6004

Mortgage

Document Number	0000047268
Date	Jul 19, 2019
Instrument	47268

Lender

Name	BANK OF STOCKTON
Type	Bank
Address	STOCKTON, CA 95201

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 405 The Cove was $3,478 with a homeowner's exemption, up 1.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,478.00 (+1.16%) Homeowner's exemption	$307,084 (+2%) Land $58,800 Building $248,284
2025	$3,438.00 Homeowner's exemption	$301,064 Land $57,648 Building $243,416
2023	$3,233.00 (+2.54%) Homeowner's exemption	$289,375 Land $55,410 Building $233,965
2022	$3,153.00

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

Flood

FEMA maps place 405 The Cove in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · other causes

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 405 The Cove 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 98% of the US · lower than 98.4% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
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: AT&T, ezWave, Verizon.

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