4500 Gardenia Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4500 Gardenia Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,061 sqft · built 2003
Lot Size	0.196 acres (8,544 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2015)
Tax Bill	$4,025 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-066-016-000`

Property Details

APN / Parcel Number

Primary APN	`045-066-016-000`
Alternative APNs	`0456616000` `0456616`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,061 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	8,544 sqft (0.196 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4500 GARDENIA AVE
City	KEYES
State	CA
Zip	95328-9701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BONITA RANCH #1 (41M08) LOT 139
Legal Subdivision	BONITA RANCH PH 01
Legal Block	4
Legal Lot Number	139
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4015
Census Tract	3002

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	4500 GARDENIA AVE, KEYES, CA 95328-9701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2015 · Amount on Record
Deed Sale	Jul 1, 2015 · Amount on Record
Prior Sale	Mar 24, 2004 · Amount on Record
Deed Document Number	201551248
Prior Transfer Date	Dec 16, 2004
Prior Transfer Doc	0000005507
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4500 GARDENIA AVE, KEYES, CA 95328-9701
Transaction Type	Mortgage
Record Updated	Nov 14, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 GARDENIA AVE, KEYES, CA 95328-9701

Mortgage

Document Number	0000052216
Date	Nov 2, 2023
Instrument	2023-0052216

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 15, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4500 GARDENIA AVE, KEYES, CA 95328-9701
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 GARDENIA AVE, KEYES, CA 95328-9701

Mortgage

Document Number	0000094070
Date	Oct 6, 2021
Instrument	2021-0094070

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4500 GARDENIA AVE, KEYES, CA 95328-9701
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 GARDENIA AVE, KEYES, CA 95328-9701

Mortgage

Document Number	0000041718
Date	Apr 30, 2021
Instrument	2021-0041718

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Secondary School District	Turlock Unified School District (9-12) (09 - 12)
Elementary School District	Keyes Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$4,025.00 (+2.63%) Homeowner's exemption	$338,083 (+2%) Land $78,481 Building $259,602
2025	$3,922.00 (+5.32%) Homeowner's exemption	$331,455 (+4.04%) Land $76,943 Building $254,512
2023	$3,724.00 (+1.47%) Homeowner's exemption	$318,586 Land $73,956 Building $244,630
2022	$3,670.00

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.01% 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	KEYES COMMUNITY SERVICES DIST. serves 5,672 people · EPA ID CA5010009
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	Arsenic resolved · Jan 2020
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 674 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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