4613 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4613 Zoe Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,830 sqft · built 2018
Lot Size	0.141 acres (6,128 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jun 2020)
Tax Bill	$4,797 (2026)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045-073-013-000`

Property Details

APN / Parcel Number

Primary APN	`045-073-013-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,830 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	6,128 sqft (0.141 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4613 ZOE AVE
City	KEYES
State	CA
Zip	95328-8411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BONITA RANCH UNIT 6 (44M48) LOT 2
Legal Subdivision	BONITA RANCH UN 6
Legal Block	4
Legal Lot Number	2
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4001
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	Individual Name on Record
Mailing Address	4613 ZOE AVE, KEYES, CA 95328-8411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 5, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY
Mar 13, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN FIN HOUSE/LARIBA
Feb 22, 2019	Grant Deed, Transfer · Conventional with PMI AMERICAN FIN HOUSE/LARIBA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2020 · Amount on Record
Deed Sale	Jun 5, 2020 · Amount on Record
Prior Sale	Feb 22, 2019 · Amount on Record
Deed Document Number	202038755
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	0000038756
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4613 ZOE AVE, KEYES, CA 95328-8411
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4613 ZOE AVE, KEYES, CA 95328-8411

Mortgage

Document Number	0000043584
Date	May 5, 2021
Instrument	2021-0043584

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Sep 1, 2050

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Jun 5, 2020
Property Address	4613 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000038756
Map Reference	MB 44 PG 48
Instrument Date	May 14, 2020
Instrument	2020-0038756
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	FIRST AMERICAN 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	3504 ARCHCLIFFE DR, CERES, CA 95307-4254

Mortgage

Document Number	0000038757
Date	Jun 5, 2020
Instrument	2020-0038757

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jun 5, 2020
Property Address	4613 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000038755
Map Reference	MB 44 PG 48
Instrument Date	May 8, 2020
Instrument	2020-0038755
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	3504 ARCHCLIFFE DR, CERES, CA 95307-4254

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4613 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000019611
Instrument Date	Mar 13, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4613 ZOE AVE KEYES CA 953288411, KEYES, CA 95328-8411

Mortgage

Document Number	0000019611
Date	Mar 19, 2020
Instrument	19611

Lender

Name	AMERICAN FIN HOUSE/LARIBA
Type	Funding / Finance Company
Address	15141 WHITTIER BLVD # 400, WHITTIER, CA 90603-2165

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Feb 22, 2019
Property Address	4613 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000009879
Instrument Date	Feb 11, 2019
Instrument	9879
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.30
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4613 ZOE AVE KEYES CA 953288411, KEYES, CA 95328-8411

Mortgage

Document Number	9880
Date	Feb 22, 2019
Instrument	9880

Lender

Name	AMERICAN FIN HOUSE/LARIBA
Type	Funding / Finance Company
Address	15141 WHITTIER BLVD # 400, WHITTIER, CA 90603-2165

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2049

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	$4,797.00 (+2.54%) Homeowner's exemption	$407,159 (+2%) Land $111,550 Building $295,609
2025	$4,678.00 (+5.29%) Homeowner's exemption	$399,176 (+4.04%) Land $109,363 Building $289,813
2023	$4,443.00 (+1.42%) Homeowner's exemption	$383,677 Land $105,117 Building $278,560
2022	$4,381.00

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	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.

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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