4620 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4620 Zoe Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,279 sqft · built 2018
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$391,000 (Sep 2019)
Tax Bill	$5,255 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-073-047-000`

Property Details

APN / Parcel Number

Primary APN	`045-073-047-000`
Alternative APN	`045-073-047`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,279 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	5,500 sqft (0.126 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	045-073-047
Street Address	4620 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 38
Legal Subdivision	BONITA RANCH UN 6
Legal Block	4
Legal Lot Number	38
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	4
Census Block	4002
Census Tract	3002

Owner

Source: Stanislaus County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4620 ZOE AVE, KEYES, CA 95328-8411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Sep 1, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 20, 2019	Grant Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	201964544
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4620 ZOE AVE, KEYES, CA 95328-8411
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4620 ZOE AVE, KEYES, CA 95328-8411

Mortgage

Document Number	0000005866
Date	Jan 26, 2022
Instrument	2022-0005866

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4620 ZOE AVE, KEYES, CA 95328-8411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4620 ZOE AVE, KEYES, CA 95328-8411

Mortgage

Document Number	0000065826
Date	Sep 1, 2020
Instrument	2020-0065826

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Sep 20, 2019
Property Address	4620 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000064544
Map Reference	MB 44 PG 48
Instrument Date	Sep 6, 2019
Instrument	2019-0064544
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	4620 ZOE AVEW, KEYES, CA 95328

Mortgage

Document Number	0000064545
Date	Sep 20, 2019
Instrument	2019-0064545

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 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	$5,255.00 (+2.52%) Homeowner's exemption	$448,067 (+2%) Land $111,550 Building $336,517
2025	$5,126.00 (+5.28%) Homeowner's exemption	$439,282 (+4.04%) Land $109,363 Building $329,919
2023	$4,869.00 (+4.19%) Homeowner's exemption	$422,225 Land $105,117 Building $317,108
2022	$4,673.00

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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