4608 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4608 Zoe Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 2018
Lot Size	0.154 acres (6,739 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Mar 2019)
Tax Bill	$4,580 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-073-050-000`

Property Details

APN / Parcel Number

Primary APN	`045-073-050-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,830 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Wood
Lot Area	6,739 sqft (0.154 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4608 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 41
Legal Subdivision	BONITA RANCH UN 6
Legal Lot Number	41
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4002
Census Tract	3002

Owner

Source: Stanislaus County assessment roll, APN 045-073-050-000, as of 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
Co-owner	Verified Secondary Owner
Mailing Address	4608 ZOE AVE, KEYES, CA 95328-8410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Mar 20, 2019	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 20, 2019 · Amount on Record
Deed Sale	Mar 20, 2019 · Amount on Record
Deed Document Number	2019-0016408
Record Updated	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4608 ZOE AVE, KEYES, CA 95328-8410
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035960
Date	May 27, 2020
Instrument	2020-0035960

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Mar 20, 2019
Property Address	4608 ZOE AVE, KEYES, CA 95328-8410
Document Number	0000016408
Map Reference	MB 44 PG 48
Instrument Date	Mar 08, 2019
Instrument	2019-0016408
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4608 ZOE AVE, KEYES, CA 95328-8410

Mortgage

Document Number	0000016409
Date	Mar 20, 2019
Instrument	2019-0016409

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

Tax Assessment & Valuation

Source: Stanislaus County assessment roll as of 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	$4,580.00 (+5.29%) Homeowner's exemption	$390,426 (+4.04%) Land $111,550 Building $278,876
2023	$4,350.00 (+1.42%) Homeowner's exemption	$375,267 Land $107,219 Building $268,048
2022	$4,289.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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

Internet Providers

Source: FCC Broadband Data Collection, 674 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
UnWired Broadband Holding 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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