628 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 628 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	$267,000 (Jun 2019)
Tax Bill	$3,632 (2026)
Deeds & Mortgages	May 2021 Mortgage Jun 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`080-058-066-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-066-000`
Alternative APNs	`0805866000` `0805866`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,056 sqft Living Area
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	628 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 23
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	3
Legal Lot Number	23
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2005
Census Tract	2802

Owner

628 Flora Way is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	628 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
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Jun 6, 2019	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 31, 2018	Grant Deed, Transfer · Conventional with PMI AEGIS ASSET BACKED SECURITIES
Dec 31, 2018	Affidavit of Death, Transfer STEWART TITLE, STEWART TITLE/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2019 · Amount on File
Deed Sale	Jun 6, 2019 · Amount on File
Prior Sale	Dec 31, 2018 · Amount on File
Deed Document Number	201936279
Prior Transfer Date	Dec 27, 2018
Prior Transfer Doc	0000088882
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	628 FLORA WAY, WATERFORD, CA 95386-9777
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 FLORA WAY, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000045416
Date	May 11, 2021
Instrument	2021-0045416

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Lending Institution
Address	MELVILLE, NY 11747

Agreement

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

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Jun 6, 2019
Property Address	628 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000036279
Map Reference	MB 31 PG 3
Instrument Date	Jun 5, 2019
Instrument	2019-0036279
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	STEWART TITLE OF CA INC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 FLORA WAY, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000036280
Date	Jun 6, 2019
Instrument	2019-0036280

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 31, 2018
Property Address	628 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000088883
Instrument Date	Dec 27, 2018
Instrument	88883
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

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

Mortgage

Document Number	88884
Date	Dec 31, 2018
Instrument	88884

Lender

Name	AEGIS ASSET BACKED SECURITIES
Address	HUNTINGTON BEACH, CA 92648

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Mortgage

Document Number	13587,
Date	Dec 31, 2018
Instrument	13587

Lender

Name	AEGIS ASSET BACKED SECURITIES
Address	HUNTINGTON BEACH, CA 92648

Agreement

Amount	Amount on Record

December 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	STANISLAUS CA
Recording Date	Dec 31, 2018
Property Address	628 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000088882
Instrument Date	Dec 27, 2018
Instrument	88882
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6042 BUCKBOARD DR RIO LINDA CA 956734309, RIO LINDA, CA 95673-4309

Tax Assessment & Valuation

The 2026 property tax bill for 628 Flora Way was $3,632 with a homeowner's exemption, 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	$3,632.00 (+1.51%) Homeowner's exemption	$303,795 (+2%) Land $113,781 Building $190,014
2025	$3,578.00 Homeowner's exemption	$297,839 Land $111,550 Building $186,289
2023	$3,431.00 (+1.6%) Homeowner's exemption	$286,275 Land $107,219 Building $179,056
2022	$3,377.00

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

Flood

FEMA maps place 628 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 628 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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