4641 Zoe Ave, Keyes, CA 95328 Property Records

Stanislaus County property record for 4641 Zoe Ave, Keyes, CA 95328

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,540 sqft · built 2018
Lot Size	0.141 acres (6,140 sqft)
Owner	2 Individual Names on Record
Last Sale	$402,000 (May 2019)
Tax Bill	$5,355 (2026)
Deeds & Mortgages	Apr 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-073-020-000`

Property Details

APN / Parcel Number

Primary APN	`045-073-020-000`

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	6,140 sqft (0.141 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4641 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 9
Legal Subdivision	BONITA RANCH UN 6
Legal Block	4
Legal Lot Number	9
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	2 Individual Names on Record
Mailing Address	4641 ZOE AVE, KEYES, CA 95328-8411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 3, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019 · Amount on Record
Deed Sale	May 3, 2019 · Amount on Record
Deed Document Number	201927252
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	4641 ZOE AVE, KEYES, CA 95328-8411
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4641 ZOE AVE, KEYES, CA 95328-8411

Mortgage

Document Number	0000034249
Date	Apr 8, 2021
Instrument	2021-0034249

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 3, 2019
Property Address	4641 ZOE AVE, KEYES, CA 95328-8411
Document Number	0000027252
Map Reference	MB 44 PG 48
Instrument Date	Apr 29, 2019
Instrument	2019-0027252
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	4641 ZOE AVE, KEYES, CA 95328-8411

Mortgage

Document Number	0000027253
Date	May 3, 2019
Instrument	2019-0027253

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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	$5,355.00 (+2.51%) Homeowner's exemption	$457,073 (+2%) Land $113,781 Building $343,292
2025	$5,224.00 (+5.28%) Homeowner's exemption	$448,111 (+4.04%) Land $111,550 Building $336,561
2023	$4,962.00 (+1.39%) Homeowner's exemption	$430,712 Land $107,219 Building $323,493
2022	$4,894.00

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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