434 Monte Oro St, Manteca, CA 95337 Property Records

San Joaquin County property record for 434 Monte Oro St, Manteca, CA 95337

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,240 sqft · built 2013
Lot Size	0.147 acres (6,413 sqft)
Owner	2 Individual Names on Record
Last Sale	$653,000 (May 2023)
Tax Bill	$9,494 (2026)
Deeds & Mortgages	Jun 2023 Transfer May 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`224-420-370-000`

Property Details

APN / Parcel Number

Primary APN	`224-420-370-000`
Alternative APN	`224-420-37`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,240 sqft Living Area
1st Floor Area	2,240 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,413 sqft (0.147 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	224-420-37
Street Address	434 MONTE ORO ST
City	MANTECA
State	CA
Zip	95337-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06-FM PT OF 224-021-28/TERRA BELLA
Legal Subdivision	TERRA BELLA
Legal Block	1
Legal Lot Number	122
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1024
Census Tract	5137

Owner

Source: San Joaquin County records, as of October 19, 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	434 MONTE ORO ST, MANTECA, CA 95337-8727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Intrafamily Transfer, Transfer
May 10, 2023	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
May 10, 2023	Grant Deed, Transfer · FHA Mortgage KEYSTONE FUNDING INC
Aug 16, 2022	Trustee's Deed, Foreclosure
Sep 12, 2019	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK
Jul 8, 2020	Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jul 14, 2017	Deed of Trust, Mortgage · VA Mortgage INTERCAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023 · Amount on Record
Deed Sale	May 10, 2023 · Amount on Record
Prior Sale	Aug 16, 2022 · Amount on Record
Deed Document Number	202336496
Prior Transfer Date	Aug 11, 2022
Prior Transfer Doc	0000097852
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jun 13, 2023
Property Address	434 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000046361
Map Reference	MB 40 PG 55
Instrument Date	Jun 8, 2023
Instrument	2023-046361
Transaction Type	Transfer
Record Updated	Jun 26, 2023

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	Community Property with Right of Survivorship
Address	434 MONTE ORO ST, MANTECA, CA 95337-8727

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 10, 2023
Property Address	434 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000036497
Map Reference	MB 40 PG 55
Instrument Date	May 9, 2023
Instrument	2023-036497
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	CHICAGO TITLE COMPANY

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	434 MONTE ORO ST, MANTECA, CA 95337-8727

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 10, 2023
Property Address	434 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000036496
Map Reference	MB 40 PG 55
Instrument Date	May 1, 2023
Instrument	2023-036496
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	CHICAGO 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 MONTE ORO ST, MANTECA, CA 95337-8727

Mortgage

Document Number	0000036498
Date	May 10, 2023
Instrument	2023-036498

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 16, 2022
Property Address	434 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000097852
Map Reference	MB 40 PG 55
Instrument Date	Aug 11, 2022
Instrument	2022-097852
Transaction Type	Foreclosure
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7205 PARKWOODS DR, STOCKTON, CA 95207-1409

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	434 MONTE ORO ST, MANTECA, CA 95337-8727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100225
Date	Sep 12, 2019
Instrument	2019-100225

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	Jul 8, 2020
Property Address	434 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000081136
Map Reference	DOC 2007-119089
Instrument Date	Jul 2, 2020
Instrument	2020-081136
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	WFG NATIONAL TITLE INS CO

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	434 MONTE ORO ST, MANTECA, CA 95337-8727

Mortgage

Document Number	0000081137
Date	Jul 8, 2020
Instrument	2020-081137

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	434 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000082909
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 3, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	434 MONTE ORO ST MANTECA CA 953378727, MANTECA, CA 95337-8727

Mortgage

Document Number	0000082909
Date	Jul 21, 2017
Instrument	82909

Lender

Name	INTERCAP LNDG
Address	ALISO VIEJO, CA 92656

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2047

Interest

Rate Type	Adjustable Rate
Rate	1.75%

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Manteca City
Unified School District	Manteca Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,494.00 (+2.87%)
2025	$9,229.00 (+9.49%)	$679,381 (+83.89%) Land $223,686 Building $455,695
2023	$8,429.00 (+48.69%) Homeowner's exemption	$369,440 Land $92,318 Building $277,122	$576,270
2022	$5,669.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · 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
Community Rating System	Class 10 (0% premium discount)
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	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.07% 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 MANTECA serves 84,928 people · EPA ID CA3910005
Water Source	Purchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Cal.net Fixed Wireless	100 / 20

May also be available: Matrix Broadband, unWired Broadband, Verizon.

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