625 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 625 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	$350,000 (Dec 2021)
Tax Bill	$4,531 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-058-050-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-050-000`
Alternative APNs	`0805850000` `0805850`

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	625 FLORA WAY
City	WATERFORD
State	CA
Zip	95386-9778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY GARDENS NO 2 BLK 6 LOT 16
Legal Subdivision	COUNTRY GNDS 02
Legal Block	6
Legal Lot Number	16
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2004
Census Tract	2802

Owner

625 Flora Way is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	625 FLORA WAY, WATERFORD, CA 95386-9778
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
Dec 29, 2021	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 18, 2020	Deed of Trust, Mortgage · Conventional with PMI LENDERFI
Jun 2, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2021 · Amount on File
Deed Sale	Dec 29, 2021 · Amount on File
Prior Sale	Jun 2, 2017 · Amount on File
Deed Document Number	2021122453
Prior Transfer Date	Nov 1, 1999
Prior Transfer Doc	0000106299
Record Updated	Oct 29, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 29, 2021
Property Address	625 FLORA WAY, WATERFORD, CA 95386-9778
Document Number	0000122453
Map Reference	VOL 31 PG 3
Instrument Date	Dec 1, 2021
Instrument	2021-0122453
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 FLORA WAY, WATERFORD, CA 95386-9778
Investor	Possibly a Property Investor

Mortgage

Document Number	0000122454
Date	Dec 29, 2021
Instrument	2021-0122454

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Mortgage

Document Number	0000122455
Date	Dec 29, 2021
Instrument	2021-0122455

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	625 FLORA WAY, WATERFORD, CA 95386-9778
Document Number	0000005865
Instrument Date	Jan 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	625 FLORA WAY WATERFORD CA 953869778, WATERFORD, CA 95386-9778

Mortgage

Document Number	0000005865
Date	Jan 29, 2020
Instrument	5865

Lender

Name	LENDERFI
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jun 2, 2017
Property Address	625 FLORA WAY, WATERFORD, CA 95386-9778
Document Number	0000039861
Map Reference	VOL31 PG3
Instrument Date	May 26, 2017
Instrument	2017-0039861
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	625 FLORA WAY, WATERFORD, CA 95386-9778

Mortgage

Document Number	0000039862
Date	Jun 2, 2017
Instrument	2017-0039862

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 625 Flora Way was $4,531, up 1.4% 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	$4,531.00 (+1.43%)	$378,849 (+2%) Land $173,188 Building $205,661
2025	$4,467.00	$371,422 Land $169,793 Building $201,629
2023	$4,289.00 (+1.54%)	$357,000 Land $163,200 Building $193,800
2022	$4,224.00

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

Flood

FEMA maps place 625 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 625 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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