4109 Ruth Ave, Modesto, CA 95355 Property Records

Stanislaus County property record for 4109 Ruth Ave, Modesto, CA 95355

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,555 sqft · built 1986
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,400 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070-002-057-000`

Property Details

APN / Parcel Number

Primary APN	`070-002-057-000`
Alternative APNs	`0700257000` `0700257`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,555 sqft Living Area
1st Floor Area	1,555 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	6,534 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4109 RUTH AVE
City	MODESTO
State	CA
Zip	95355-9515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARA ESTATES BLK 1848 LOT 16
Legal Subdivision	FARA ESTATES
Legal Block	1848
Legal Lot Number	16
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1009
Census Tract	2803

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	4109 RUTH AVE, MODESTO, CA 95355-9515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 25, 2018	Deed of Trust, Mortgage · FHA Mortgage FIRST DIRECT LNDG
May 23, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST DIRECT LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2012
Deed Sale	Aug 22, 2012
Prior Sale	Jan 28, 2010
Deed Document Number	201274534
Prior Transfer Date	Jul 25, 2012
Prior Transfer Doc	0000074534
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4109 RUTH AVE, MODESTO, CA 95355-9515
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 RUTH AVE, MODESTO, CA 95355-9515

Mortgage

Document Number	0000077914
Date	Oct 8, 2020
Instrument	2020-0077914

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4109 RUTH AVE, MODESTO, CA 95355-9515
Document Number	0000031514
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 15, 2018
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4109 RUTH AVE MODESTO CA 953559515, MODESTO, CA 95355-9515

Mortgage

Document Number	0000031514
Date	May 8, 2018
Instrument	31514

Lender

Name	FIRST DIRECT LNDG
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4109 RUTH AVE, MODESTO, CA 95355-9515
Document Number	0000040273
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4109 RUTH AVE MODESTO CA 953559515, MODESTO, CA 95355-9515

Mortgage

Document Number	0000040273
Date	Jun 5, 2017
Instrument	40273

Lender

Name	FIRST DIRECT LNDG
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

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
Elementary School District	Empire Union 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	$2,400.00 (+1.69%) Homeowner's exemption	$229,850 (+2%) Land $59,100 Building $170,750
2025	$2,360.00 (-4.22%) Homeowner's exemption	$225,344 (+4.04%) Land $57,942 Building $167,402
2023	$2,464.00 (+6.71%) Homeowner's exemption	$216,595 Land $55,693 Building $160,902
2022	$2,309.00

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

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

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

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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 792 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
ezWave Fixed Wireless	1,000 / 200
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
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: Ayera Technologies.

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