4628 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4628 Zoe Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,062 sqft · built 2018
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on Record
Last Sale	$378,000 (Nov 2018)
Tax Bill	$5,051 (2026)
Deeds & Mortgages	Oct 2021 Transfer Dec 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-073-045-000`

Property Details

APN / Parcel Number

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

Interior

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

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	6,750 sqft (0.155 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	045-073-045
Street Address	4628 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 36
Legal Subdivision	BONITA RANCH UN 6
Legal Block	4
Legal Lot Number	36
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4628 ZOE AVE, KEYES, CA 95328-8411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Intrafamily Transfer, Transfer
Dec 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 29, 2018	Grant Deed, Transfer · ARM WELLS FARGO BANK NA
Nov 29, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2018 · Amount on Record
Deed Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	201881646
Last Transfer Date	Nov 30, 2019
Transfer Doc	0000084666
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Oct 15, 2021
Property Address	4628 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000097380
Map Reference	MB 44 PG 48
Instrument Date	Sep 6, 2021
Instrument	2021-0097380
Transaction Type	Transfer
Record Updated	Oct 26, 2021

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
Relationship	Joint Tenants
Address	4628 ZOE AVE, KEYES, CA 95328-8411

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 2, 2019
Property Address	4628 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000084666
Instrument Date	Nov 30, 2019
Instrument	84666
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4628 ZOE AVE KEYES CA 953288411, KEYES, CA 95328-8411

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Nov 29, 2018
Property Address	4628 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000081646
Map Reference	MB44 PG48
Instrument Date	Nov 19, 2018
Instrument	2018-0081646
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4628 ZOE AVE, KEYES, CA 95328-8411

Mortgage

Document Number	0000081648
Date	Nov 29, 2018
Instrument	2018-0081648

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	9.25%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Nov 29, 2018
Property Address	4628 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000081647
Instrument Date	Nov 19, 2018
Instrument	81647
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4628 ZOE AVE KEYES CA 953288411, KEYES, CA 95328-8411

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	$5,051.00 (+2.54%) Homeowner's exemption	$429,844 (+2%) Land $113,781 Building $316,063
2025	$4,926.00 (+5.28%) Homeowner's exemption	$421,416 (+4.04%) Land $111,550 Building $309,866
2023	$4,679.00 (+1.06%) Homeowner's exemption	$405,054 Land $107,219 Building $297,835
2022	$4,630.00

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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