448 Monte Oro St, Manteca, CA 95337 Property Records

San Joaquin County property record for 448 Monte Oro St, Manteca, CA 95337

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,356 sqft · built 2013
Lot Size	0.147 acres (6,408 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Sep 2017)
Tax Bill	$7,461 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`224-420-380-000`

Property Details

APN / Parcel Number

Primary APN	`224-420-380-000`
Alternative APN	`224-420-38`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,356 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,408 sqft (0.147 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	224-420-38
Street Address	448 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	123
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 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	448 MONTE ORO ST, MANTECA, CA 95337-8727
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 1, 2017	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Sep 1, 2017	Grant Deed, Transfer · Conventional Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2017 · Amount on Record
Deed Sale	Sep 1, 2017 · Amount on Record
Prior Sale	Dec 10, 2014 · Amount on Record
Deed Document Number	2017101278
Prior Transfer Date	Aug 25, 2017
Prior Transfer Doc	0000101277
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	448 MONTE ORO ST, MANTECA, CA 95337-8727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 MONTE ORO ST, MANTECA, CA 95337-8727

Mortgage

Document Number	0000106862
Date	Aug 25, 2020
Instrument	2020-106862

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 1, 2017
Property Address	448 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000101277
Instrument Date	Aug 25, 2017
Instrument	101277
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1538 TERRACINA CIR MANTECA CA 953367068, MANTECA, CA 95336-7068

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Sep 1, 2017
Property Address	448 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000101278
Instrument Date	Aug 25, 2017
Instrument	101278
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	NORTH AMERICAN TITLE CONCORD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 MONTE ORO ST MANTECA CA 953378727, MANTECA, CA 95337-8727

Mortgage

Document Number	101279
Date	Sep 1, 2017
Instrument	101279

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2047

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	$7,461.00 (+3.42%)
2025	$7,214.00 (+3.18%) Homeowner's exemption	$500,638 (+4.04%) Land $150,190 Building $350,448
2023	$6,992.00 (+0.79%) Homeowner's exemption	$481,200 Land $144,359 Building $336,841	$640,530
2022	$6,937.00

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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