632 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 632 Flora Way, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1987
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (Jan 2016)
Tax Bill	$2,788 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-058-065-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-065-000`
Alternative APNs	`0805865000` `0805865`

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 1987
Effective Year Built	Effective 1987
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	632 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 22
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	3
Legal Lot Number	22
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2005
Census Tract	2802

Owner

632 Flora Way is owned and occupied by an individual who bought it in January 2016.

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

Owner of Record	Individual Name on File
Mailing Address	632 FLORA WAY, WATERFORD, CA 95386-9777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2016 · Amount on File
Deed Sale	Jan 20, 2016 · Amount on File
Prior Sale	Aug 28, 2015 · Amount on File
Deed Document Number	20164837
Prior Transfer Date	Jun 21, 2006
Prior Transfer Doc	0000094973
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	632 FLORA WAY, WATERFORD, CA 95386-9777
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 FLORA WAY, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000046075
Date	Sep 22, 2025
Instrument	2025-0046075

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	632 FLORA WAY, WATERFORD, CA 95386-9777
Transaction Type	Mortgage
Record Updated	Feb 15, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 FLORA WAY, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000005110
Date	Feb 7, 2023
Instrument	2023-0005110

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	632 FLORA WAY, WATERFORD, CA 95386-9777
Document Number	0000053747
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	632 FLORA WAY WATERFORD CA 953869777, WATERFORD, CA 95386-9777

Mortgage

Document Number	0000053747
Date	Jul 27, 2020
Instrument	53747

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 632 Flora Way was $2,788, 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	$2,788.00 (+1.49%)	$219,750 (+2%) Land $60,369 Building $159,381
2025	$2,747.00	$215,442 Land $59,186 Building $156,256
2023	$2,635.00 (+1.58%)	$207,079 Land $56,889 Building $150,190
2022	$2,594.00

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

Flood

FEMA maps place 632 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 632 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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