633 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 633 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	2 Individual Names on File
Last Sale	$375,000 (Dec 2023)
Tax Bill	$4,655 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-058-052-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-052-000`
Alternative APNs	`0805852000` `0805852`

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	633 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 18
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	6
Legal Lot Number	18
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2004
Census Tract	2802

Owner

633 Flora Way is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	633 FLORA WAY, WATERFORD, CA 95386-9778
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 18, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on File
Deed Sale	Dec 18, 2023 · Amount on File
Prior Sale	Jul 1, 2011 · Amount on File
Deed Document Number	202358750
Prior Transfer Date	May 20, 2016
Prior Transfer Doc	0000039268
Record Updated	Oct 29, 2026

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 18, 2023
Property Address	633 FLORA WAY, WATERFORD, CA 95386-9778
Document Number	0000058750
Map Reference	VOL 31 PG 3
Instrument Date	Dec 12, 2023
Instrument	2023-0058750
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	633 FLORA WAY, WATERFORD, CA 95386-9778

Mortgage

Document Number	0000058751
Date	Dec 18, 2023
Instrument	2023-0058751

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	633 FLORA WAY, WATERFORD, CA 95386-9778
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075007
Date	Oct 28, 2019
Instrument	2019-0075007

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 633 Flora Way was $4,655, 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	$4,655.00 (+1.44%)	$390,150 (+2%) Land $223,686 Building $166,464
2025	$4,589.00	$382,500 Land $219,300 Building $163,200
2023	$1,465.00 (+1.81%) Homeowner's exemption	$108,041 Land $36,214 Building $71,827
2022	$1,439.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 633 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 633 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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