4633 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4633 Zoe Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,540 sqft · built 2018
Lot Size	0.152 acres (6,633 sqft)
Owner	Individual Name on Record
Last Sale	$408,500 (Dec 2018)
Tax Bill	$6,111 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-073-018-000`

Property Details

APN / Parcel Number

Primary APN	`045-073-018-000`
Alternative APN	`045-073-018`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,540 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	6,633 sqft (0.152 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	045-073-018
Street Address	4633 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 7
Legal Subdivision	BONITA RANCH UN 6
Legal Block	4
Legal Lot Number	7
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 8, 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 Record
Mailing Address	4633 ZOE AVE, KEYES, CA 95328-8411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 30, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Dec 19, 2018	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE CO
Dec 19, 2018	Grant Deed, Transfer · Conventional Mortgage ROYAL PACIFIC FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2018 · Amount on Record
Deed Sale	Dec 19, 2018 · Amount on Record
Deed Document Number	201886567
Last Transfer Date	Jun 23, 2022
Transfer Doc	0000046850
Record Updated	Sep 20, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Jun 30, 2022
Property Address	4633 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000046850
Map Reference	MB 44 PG 48
Instrument Date	Jun 23, 2022
Instrument	2022-0046850
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	FIRSTAMERICAN 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
Relationship	Joint Tenants
Address	4633 ZOE AVE, KEYES, CA 95328-8411

Mortgage

Document Number	0000046851
Date	Jun 30, 2022
Instrument	2022-0046851

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Jun 30, 2022
Property Address	4633 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000046849
Map Reference	MB 44 PG 48
Instrument Date	Apr 29, 2022
Instrument	2022-0046849
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	FIRSTAMERICAN 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
Relationship	Joint Tenants
Address	4633 ZOE AVE, KEYES, CA 95328-8411

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Dec 19, 2018
Property Address	4633 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000086568
Map Reference	MB 44 PG 48
Instrument Date	Dec 13, 2018
Instrument	2018-0086568
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4633 ZOE AVE, KEYES, CA 95328-8411

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 19, 2018
Property Address	4633 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000086567
Map Reference	MB 44 PG 48
Instrument Date	Dec 13, 2018
Instrument	2018-0086567
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
Relationship	Joint Tenants
Address	4633 ZOE AVE, KEYES, CA 95328-8411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000086569
Date	Dec 19, 2018
Instrument	2018-0086569

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Stanislaus County assessment roll, as of October 8, 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

Year	Tax Bill	Assessed Value
2025	$6,111.00 (+5.27%) Homeowner's exemption	$527,492 (+20.51%) Land $161,896 Building $365,596
2023	$5,805.00 (+16.78%) Homeowner's exemption	$437,722 Land $107,219 Building $330,503
2022	$4,971.00

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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