521 el Cajon Ave, Modesto, CA 95350 Property Records

Stanislaus County property record for 521 el Cajon Ave, Modesto, CA 95350

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,326 sqft · built 1946
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Nov 2014)
Tax Bill	$3,498 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`111-056-018-000`

Property Details

APN / Parcel Number

Primary APN	`111-056-018-000`
Alternative APNs	`1115618000` `1115618`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,326 sqft Living Area
Gross Area	1,759 sqft
1st Floor Area	2,326 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Storm Sewer

Location & Zoning

Street Address	521 EL CAJON AVE
City	MODESTO
State	CA
Zip	95350-6114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF MODESTO BLK 605 LOT 18
Legal Subdivision	MODESTO
Legal Block	605
Legal Lot Number	18
Jurisdiction	STANISLAUS CA
Township / Civil Division	MODESTO
Census Block Group	2
Census Block	2013
Census Tract	1002

Owner

521 el Cajon Ave is owned and occupied by two individuals who acquired it in September 2022.

Source: Stanislaus County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	521 EL CAJON AVE, MODESTO, CA 95350-6114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 8, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2014 · Amount on File
Deed Sale	Nov 25, 2014 · Amount on File
Deed Document Number	201478074
Last Transfer Date	Sep 28, 2022
Transfer Doc	0000066507
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Oct 6, 2022
Property Address	521 EL CAJON AVE, MODESTO, CA 95350-6114
Document Number	0000066507
Map Reference	VOL 15
Instrument Date	Sep 28, 2022
Instrument	2022-0066507
Transaction Type	Transfer
Record Updated	Oct 17, 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	Community Property with Right of Survivorship
Address	521 EL CAJON AVE, MODESTO, CA 95350-6114

Mortgage

Document Number	0000066508
Date	Oct 6, 2022
Instrument	2022-0066508

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	521 EL CAJON AVE, MODESTO, CA 95350-6114
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 EL CAJON AVE, MODESTO, CA 95350-6114

Mortgage

Document Number	0000114050
Date	Dec 8, 2021
Instrument	2021-0114050

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 521 el Cajon Ave was $3,498, up 1.1% from the year before.

Source: Stanislaus County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Modesto City
Elementary School District	Modesto City Elementary School District (KG - 08)
Secondary School District	Modesto City High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,498.00 (+1.1%)	$301,850 (+2%) Land $61,290 Building $240,560
2025	$3,460.00	$295,933 Land $60,089 Building $235,844
2023	$2,552.00 (+2.49%)	$222,942 Land $57,756 Building $165,186
2022	$2,490.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 521 el Cajon Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · 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
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

The area around 521 el Cajon Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 MODESTO serves 218,915 people · EPA ID CA5010010
Water Source	Purchased surface water from MODESTO IRRIGATION DISTRICT
Last State Inspection	Jan 2025
Lead	12 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ezWave, Verizon.

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