551 E St, Waterford, CA 95386 Property Records

Stanislaus County property record for 551 E St, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,364 sqft · built 1960
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jul 2003)
Tax Bill	$3,804 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`134-009-018-000`

Property Details

APN / Parcel Number

Primary APN	`134-009-018-000`
Alternative APNs	`1340918000` `1340918`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,364 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Lot Area	12,197 sqft (0.28 acres)
View / Lot	Corner
Parking Spaces	5 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	551 E ST
City	WATERFORD
State	CA
Zip	95386-8758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD LOT 14-16 BLOCK 28
Legal Subdivision	WATERFORD
Legal Block	2
Legal Lot Number	14-16
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2013
Census Tract	2801

Owner

Source: Stanislaus County records, as of May 6, 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	551 E ST, WATERFORD, CA 95386-8758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 30, 2018	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2003 · Amount on Record
Deed Sale	Jul 25, 2003 · Amount on Record
Prior Sale	Nov 8, 1996 · Amount on Record
Deed Document Number	2003122269
Last Transfer Date	Aug 5, 2024
Transfer Doc	0000038272
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	551 E ST, WATERFORD, CA 95386-8758
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E ST, WATERFORD, CA 95386-8758

Mortgage

Document Number	0000065987
Date	Jul 9, 2021
Instrument	2021-0065987

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

October 2018: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	STANISLAUS CA
Recording Date	Oct 30, 2018
Property Address	551 E ST, WATERFORD, CA 95386-8758
Document Number	0000075251
Map Reference	MB1 PG31
Instrument Date	Oct 11, 2018
Instrument	2018-0075251
Transaction Type	Transfer
Record Updated	Aug 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E ST, WATERFORD, CA 95386-8758

Mortgage

Document Number	0000075252
Date	Oct 30, 2018
Instrument	2018-0075252

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2038

Tax Assessment & Valuation

Source: Stanislaus County assessment roll, as of October 8, 2025

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Waterford City
Unified School District	Waterford Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,804.00 (+4.28%)	$319,887 (+4.04%) Land $85,300 Building $234,587
2023	$3,648.00 (+1.59%) Homeowner's exemption	$307,468 Land $81,989 Building $225,479
2022	$3,591.00

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 WATERFORD serves 8,788 people · EPA ID CA5010006
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	MODESTO IRRIGATION DISTRICT
Lead	Under 1 ppb (2024–2026) 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 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
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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