620 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 620 Flora Way, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,336 sqft · built 1988
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Nov 2002)
Tax Bill	$3,050 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-058-068-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-068-000`
Alternative APNs	`0805868000` `0805868`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Wood
Lot Area	5,663 sqft (0.13 acres)
Parking Spaces	2 Parking Spaces
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	620 FLORA WAY
City	WATERFORD
State	CA
Zip	95386-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY GARDENS NO 2 BLK 3 LOT 25
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	3
Legal Lot Number	25
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2005
Census Tract	2802

Owner

620 Flora Way is owned and occupied by two individuals who acquired it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	620 FLORA WAY, WATERFORD, CA 95386-9777
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Aug 25, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Aug 25, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2002 · Amount on File
Deed Sale	Nov 5, 2002 · Amount on File
Deed Document Number	2002144622
Last Transfer Date	Aug 7, 2017
Transfer Doc	0000062583
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	620 FLORA WAY, WATERFORD, CA 95386-9777
Transaction Type	Mortgage
Record Updated	May 9, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 441, WATERFORD, CA 95386-0441

Mortgage

Document Number	0000031167
Date	Apr 28, 2022
Instrument	2022-0031167

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STANISLAUS CA
Recording Date	Aug 25, 2017
Property Address	620 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000062584
Instrument Date	Aug 17, 2017
Instrument	62584
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	620 FLORA WAY WATERFORD CA 953869777, WATERFORD, CA 95386-9777

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Aug 25, 2017
Property Address	620 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000062583
Map Reference	MAP31 PG3
Instrument Date	Aug 7, 2017
Instrument	2017-0062583
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO 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	Joint Tenants
Address	620 FLORA WAY, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000062585
Date	Aug 25, 2017
Instrument	2017-0062585

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 620 Flora Way was $3,050, up 1.5% from the year before.

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

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
2026	$3,050.00 (+1.46%)	$243,717 (+2%) Land $104,450 Building $139,267
2025	$3,006.00	$238,939 Land $102,402 Building $136,537
2023	$2,884.00 (+1.59%)	$229,663 Land $98,427 Building $131,236
2022	$2,839.00

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

Flood

FEMA maps place 620 Flora Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 620 Flora Way is low, with a 0.01% annual chance of 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 498 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, ezWave, Verizon.

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