409 Cottonwood Dr, Modesto, CA 95356 Property Records

Stanislaus County property record for 409 Cottonwood Dr, Modesto, CA 95356

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,342 sqft · built 1986
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (Jun 2025)
Tax Bill	$8,230 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jul 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-044-046-000`

Property Details

APN / Parcel Number

Primary APN	`055-044-046-000`
Alternative APNs	`0554446000` `0554446`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,342 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Wood
Lot Area	9,583 sqft (0.22 acres)
Parking Spaces	3 Parking Spaces
Pool Type	Pool with Hot Tub/Spa
Patio Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Storm Sewer

Location & Zoning

Street Address	409 COTTONWOOD DR
City	MODESTO
State	CA
Zip	95356-1341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GREENWOOD ESTATES #6
Legal Block	4
Legal Lot Number	A
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4006
Census Tract	506

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 576157, MODESTO, CA 95357-6157
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2020	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jan 4, 2017	Quit Claim Deed FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Dec 24, 2020 · Amount on Record
Deed Document Number	202530211
Prior Transfer Date	Jul 6, 2020
Prior Transfer Doc	0000047457
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 24, 2020
Property Address	409 COTTONWOOD DR, MODESTO, CA 95356-1341
Document Number	0000106788
Map Reference	MB 37 PG 53
Instrument Date	Dec 22, 2020
Instrument	2020-0106788
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	409 COTTONWOOD DR, MODESTO, CA 95356-1341

Mortgage

Document Number	0000106789
Date	Dec 24, 2020
Instrument	2020-0106789

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 7, 2020
Property Address	409 COTTONWOOD DR, MODESTO, CA 95356-1341
Document Number	0000047457
Instrument Date	Jul 6, 2020
Instrument	47457
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 COTTONWOOD DR MODESTO CA 953561341, MODESTO, CA 95356-1341

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	409 COTTONWOOD DR, MODESTO, CA 95356-1341
Document Number	0000074977
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 COTTONWOOD DR MODESTO CA 953561341, MODESTO, CA 95356-1341

Mortgage

Document Number	0000074977
Date	Oct 29, 2018
Instrument	74977

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2048

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jan 4, 2017
Property Address	409 COTTONWOOD DR, MODESTO, CA 95356-1341
Document Number	0000000213
Instrument Date	Nov 28, 2016
Instrument	213
Record Updated	Jan 12, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 COTTONWOOD DR MODESTO CA 953561341, MODESTO, CA 95356-1341

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$8,230.00 (+7.51%)	$754,800 (+8.96%) Land $230,520 Building $524,280
2025	$7,655.00 (+3.81%)	$692,756 (+4.04%) Land $140,716 Building $552,040
2023	$7,374.00 (+4.23%)	$665,856 Land $135,252 Building $530,604
2022	$7,075.00

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

Flood

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

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

Wildfire Risk	Not rated no burnable land within 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 386 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: ezWave, Verizon.

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