624 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 624 Flora Way, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1988
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Dec 2018)
Tax Bill	$3,621 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-058-067-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-067-000`
Alternative APNs	`0805867000` `0805867`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	624 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 24
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	3
Legal Lot Number	24
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2005
Census Tract	2802

Owner

624 Flora Way is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	624 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
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 26, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 14, 2018	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE
Jul 5, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Jul 5, 2018 · Amount on File
Deed Document Number	201885614
Prior Transfer Date	Mar 20, 2009
Prior Transfer Doc	0000028562
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	624 FLORA WAY, WATERFORD, CA 95386-9777
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	624 FLORA WAY, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000091450
Date	Sep 24, 2021
Instrument	2021-0091450

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	624 FLORA WAY, WATERFORD, CA 95386-9777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000091134
Date	Dec 26, 2019
Instrument	2019-0091134

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 14, 2018
Property Address	624 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000085614
Map Reference	VOL31 PG3
Instrument Date	Dec 10, 2018
Instrument	2018-0085614
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	OLD REPUBLIC TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	624 FLORA WAY, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000085615
Date	Dec 14, 2018
Instrument	2018-0085615

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jul 5, 2018
Property Address	624 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000045902
Instrument Date	Jun 26, 2018
Instrument	45902
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$199.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4132 LA GRANGE RD LA GRANGE CA 953299792, LA GRANGE, CA 95329-9792

Tax Assessment & Valuation

The 2026 property tax bill for 624 Flora Way was $3,621, 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	$3,621.00 (+1.46%)	$295,830 (+2%) Land $113,781 Building $182,049
2025	$3,569.00	$290,030 Land $111,550 Building $178,480
2023	$3,426.00 (+1.57%)	$278,769 Land $107,219 Building $171,550
2022	$3,373.00

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

Flood

FEMA maps place 624 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 624 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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