405 Tim Bell Rd, Waterford, CA 95386 Property Records

Stanislaus County property record for 405 Tim Bell Rd, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1948
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Jul 2019)
Tax Bill	$2,954 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`134-013-027-000`

Property Details

APN / Parcel Number

Primary APN	`134-013-027-000`
Alternative APNs	`1341327000` `1341327`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Lot Area	10,454 sqft (0.24 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	405 TIM BELL RD
City	WATERFORD
State	CA
Zip	95386-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2020
Census Tract	2801

Owner

405 Tim Bell Rd is owned and occupied by an individual who bought it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	405 TIM BELL RD, WATERFORD, CA 95386-9716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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 1, 2022	Deed of Trust, Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC
Jul 24, 2019	Grant Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Dec 13, 2017	Grant Deed, Transfer · Conventional Mortgage SCENIC OAKS FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2019 · Amount on File
Deed Sale	Jul 24, 2019 · Amount on File
Prior Sale	Dec 13, 2017 · Amount on File
Deed Document Number	201948091
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	405 TIM BELL RD, WATERFORD, CA 95386-9716
Transaction Type	Mortgage
Record Updated	Nov 14, 2022
Title Company	CLEAREDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 TIM BELL RD, WATERFORD, CA 95386-9716

Mortgage

Document Number	0000071416
Date	Nov 1, 2022
Instrument	2022-0071416

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS INC
Type	Non-Lending Institution
Address	SAN FRANCISCO, CA 94104

Agreement

Amount	Amount on Record

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 24, 2019
Property Address	405 TIM BELL RD, WATERFORD, CA 95386-9716
Document Number	0000048091
Instrument Date	Jul 22, 2019
Instrument	2019-0048091
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	405 TIM BELL RD, WATERFORD, CA 95386-9716

Mortgage

Document Number	0000048092
Date	Jul 24, 2019
Instrument	2019-0048092

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 13, 2017
Property Address	405 TIM BELL RD, WATERFORD, CA 95386-9716
Document Number	0000092020
Instrument Date	Dec 7, 2017
Instrument	2017-0092020
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 TIM BELL RD, WATERFORD, CA 95386-9716

Mortgage

Document Number	0000092021
Date	Dec 13, 2017
Instrument	2017-0092021

Lender

Name	SCENIC OAKS FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 405 Tim Bell Rd was $2,954, 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	$2,954.00 (+1.51%)	$236,483 (+2%) Land $145,014 Building $91,469
2025	$2,910.00	$231,847 Land $142,171 Building $89,676
2023	$2,792.00 (+1.6%)	$222,846 Land $136,651 Building $86,195
2022	$2,748.00

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

Flood

FEMA maps place 405 Tim Bell Rd 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 405 Tim Bell Rd is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ayera Technologies, ezWave, Verizon.

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