4636 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4636 Zoe Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,540 sqft · built 2018
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$401,500 (Dec 2018)
Tax Bill	$5,743 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-073-043-000`

Property Details

APN / Parcel Number

Primary APN	`045-073-043-000`
Alternative APN	`045-073-043`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,590 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Storm Sewer

Location & Zoning

Old Parcel Number	045-073-043
Street Address	4636 ZOE AVE
City	KEYES
State	CA
Zip	95328-8411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	COUR1
Legal Description	BONITA RANCH UNIT 6 (44M48) LOT 34
Legal Subdivision	BONITA RANCH UN 6
Legal Block	4
Legal Lot Number	34
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	4636 ZOE AVE, KEYES, CA 95328-8411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Grant Deed, Transfer · Conventional Mortgage OCMBC INC
Apr 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 21, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE CO
Dec 21, 2018	Grant Deed, Transfer · ARM PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on Record
Deed Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	201887097
Last Transfer Date	Apr 1, 2021
Transfer Doc	0000033779
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Apr 22, 2026
Property Address	4636 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000022470
Instrument Date	Apr 17, 2026
Instrument	202622470
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4636 ZOE AVE, KEYES, CA 95328-8411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022471,
Date	Apr 22, 2026
Instrument	202622471

Lender

Name	OCMBC INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Apr 7, 2021
Property Address	4636 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000033779
Map Reference	MB 44 PG 48
Instrument Date	Apr 1, 2021
Instrument	2021-0033779
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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	4636 ZOE AVE, KEYES, CA 95328-8411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033780
Date	Apr 7, 2021
Instrument	2021-0033780

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 21, 2018
Property Address	4636 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000087097
Map Reference	MB 44 PG 48
Instrument Date	Dec 17, 2018
Instrument	2018-0087097
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
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	4636 ZOE AVE, KEYES, CA 95328-8411

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 21, 2018
Property Address	4636 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000087098
Map Reference	MB 44 PG 48
Instrument Date	Dec 17, 2018
Instrument	2018-0087098
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4636 ZOE AVE, KEYES, CA 95328-8411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000087099
Date	Dec 21, 2018
Instrument	2018-0087099

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$5,743.00 (+4.67%)	$491,753 (+4.27%) Land $113,781 Building $377,972
2025	$5,487.00 (+10.69%) Homeowner's exemption	$471,611 (+9.61%) Land $111,550 Building $360,061
2023	$4,957.00 (+1.39%) Homeowner's exemption	$430,260 Land $107,219 Building $323,041
2022	$4,889.00

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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