4604 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4604 Zoe Ave, Keyes, CA 95328 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,062 sqft · built 2018
Lot Size	0.158 acres (6,896 sqft)
Owner	Individual Name on File
Last Sale	$417,000 (Jan 2021)
Tax Bill	$5,339 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-073-051-000`

Property Details

APN / Parcel Number

Primary APN	`045-073-051-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,062 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Wood
Lot Area	6,896 sqft (0.158 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4604 ZOE AVE
City	KEYES
State	CA
Zip	95328-8410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BONITA RANCH UNIT 6 (44M48) LOT 42
Legal Subdivision	BONITA RANCH UN 6
Legal Lot Number	42
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4002
Census Tract	3002

Owner

Source: Stanislaus County records · APN 045-073-051-000

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Mailing Address	4604 ZOE AVE, KEYES, CA 95328-8410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 08, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 03, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Feb 21, 2019	Grant Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 08, 2021 · Amount on Record
Deed Sale	Jan 08, 2021 · Amount on Record
Prior Sale	Feb 21, 2019 · Amount on Record
Deed Document Number	2021-0002803
Record Updated	Jun 08, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jan 08, 2021
Property Address	4604 ZOE AVE, KEYES, CA 95328-8410
Document Number	0000002803
Map Reference	MB 44 PG 48
Instrument Date	Jan 06, 2021
Instrument	2021-0002803
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	7604 ZOE AVENUE, KEYES, CA 95328

Mortgage

Document Number	0000002804
Date	Jan 08, 2021
Instrument	2021-0002804

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4604 ZOE AVE, KEYES, CA 95328-8410
Document Number	0000003792
Instrument Date	Jan 03, 2020
Transaction Type	Mortgage
Record Updated	Feb 05, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4604 ZOE AVE KEYES CA 953288410, KEYES, CA 95328-8410

Mortgage

Document Number	0000003792
Date	Jan 21, 2020
Instrument	3792

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Feb 21, 2019
Property Address	4604 ZOE AVE, KEYES, CA 95328-8410
Document Number	0000009577
Map Reference	MB 44 PG 48
Instrument Date	Feb 12, 2019
Instrument	2019-0009577
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4604 ZOE AVE, KEYES, CA 95328-8410

Mortgage

Document Number	0000009578
Date	Feb 21, 2019
Instrument	2019-0009578

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2049

Tax Assessment & Valuation

Source: Stanislaus County records · Assessment roll updated July 1, 2025 · Last verified October 2025

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

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

Year	Tax Bill	Assessed Value
2025	$5,339.00 (+5.22%)	$451,372 (+4.04%) Land $108,242 Building $343,130
2023	$5,074.00 (+1.36%)	$433,846 Land $104,040 Building $329,806
2022	$5,006.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stanislaus County (06099C), updated October 23, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 674 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Ayera Technologies	Fixed Wireless	1,000 / 500
UnWired Broadband Holding	Fixed Wireless (unlicensed)	400 / 50
Cal.net	Fixed Wireless (unlicensed)	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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