Stanislaus County property record for 4645 Zoe Ave, Keyes, CA 95328
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,062 sqft · built 2018 |
| Lot Size | 0.23 acres (10,017 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $396,682 (Dec 2018) |
| Tax Bill | $5,393 (2026) |
| Deeds & Mortgages | Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-073-021-000 |
| Primary APN | 045-073-021-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,062 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Construction Type | Wood |
| Lot Area | 10,017 sqft (0.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 045-073-021 |
|---|---|
| Street Address | 4645 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 10 |
| Legal Subdivision | BONITA RANCH UN #6 |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | MODESTO |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 3002 |
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 | 4645 ZOE AVE, KEYES, CA 95328-8411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2018 · Amount on Record |
| Deed Sale | Dec 17, 2018 · Amount on Record |
| Deed Document Number | 201885820 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Recording Date | Dec 17, 2018 |
| Property Address | 4645 ZOE AVE, KEYES, CA 95328-8411 |
| Document Number | 0000085820 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 85820 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $438.35 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4645 ZOE AVE KEYES CA 953288411, KEYES, CA 95328-8411 |
| Document Number | 85821 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 85821 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2048 |
Source: Stanislaus County assessment roll, as of October 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $5,393.00 (+2.49%) | $453,398 (+2%) Land $113,781 Building $339,617 |
| 2025 | $5,262.00 (+5.22%) | $444,508 (+4.04%) Land $111,550 Building $332,958 |
| 2023 | $5,001.00 (+1.36%) | $427,249 Land $107,219 Building $320,030 |
| 2022 | $4,934.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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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