474 Monte Oro St, Manteca, CA 95337 Property Records

San Joaquin County property record for 474 Monte Oro St, Manteca, CA 95337

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,360 sqft · built 2012
Lot Size	0.147 acres (6,399 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2015)
Tax Bill	$6,696 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2017 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`224-420-400-000`

Property Details

APN / Parcel Number

Primary APN	`224-420-400-000`
Alternative APN	`224-420-40`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,360 sqft Living Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,399 sqft (0.147 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	224-420-40
Street Address	474 MONTE ORO ST
City	MANTECA
State	CA
Zip	95337-8727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06-FM PT OF 224-021-28/TERRA BELLA
Legal Subdivision	TERRA BELLA
Legal Block	1
Legal Lot Number	125
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1024
Census Tract	5137

Owner

Source: San Joaquin County records, as of October 13, 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	474 MONTE ORO ST, MANTECA, CA 95337-8727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 13, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIGITAL FCU
Mar 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2015 · Amount on Record
Deed Sale	Jun 30, 2015 · Amount on Record
Prior Sale	Oct 24, 2012 · Amount on Record
Deed Document Number	201577198
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	474 MONTE ORO ST, MANTECA, CA 95337-8727
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	474 MONTE ORO ST, MANTECA, CA 95337-8727

Mortgage

Document Number	0000165097
Date	Oct 1, 2021
Instrument	2021-165097

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2041

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	474 MONTE ORO ST, MANTECA, CA 95337-8727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000145453
Date	Dec 13, 2017
Instrument	2017-145453

Lender

Name	DIGITAL FCU
Type	Credit Union
Address	MARLBOROUGH, MA 01752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2028

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JOAQUIN CA
Property Address	474 MONTE ORO ST, MANTECA, CA 95337-8727
Document Number	0000043507
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	May 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	474 MONTE ORO ST MANTECA CA 953378727, MANTECA, CA 95337-8727

Mortgage

Document Number	0000043507
Date	Apr 9, 2020
Instrument	43507

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 8, 2040

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Manteca City
Unified School District	Manteca Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,696.00 (+3.69%)
2025	$6,458.00 (+4.31%)	$426,648 (+4.04%) Land $149,324 Building $277,324
2023	$6,191.00 (+0.72%) Homeowner's exemption	$410,083 Land $143,527 Building $266,556	$639,180
2022	$6,147.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MANTECA serves 84,928 people · EPA ID CA3910005
Water Source	Purchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Cal.net Fixed Wireless	100 / 20

May also be available: Matrix Broadband, unWired Broadband, Verizon.

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