640 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 640 Flora Way, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1989
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (May 2020)
Tax Bill	$3,726 (2026)
Deeds & Mortgages	Nov 2022 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-058-063-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-063-000`
Alternative APNs	`0805863000` `0805863`

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 1989
Effective Year Built	Effective 1989
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	640 FLORA WAY
City	WATERFORD
State	CA
Zip	95386-9768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY GARDENS NO 2 BLK 3 LOT 20
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	3
Legal Lot Number	20
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2005
Census Tract	2802

Owner

640 Flora Way is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	640 FLORA WAY, WATERFORD, CA 95386-9768
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
Nov 17, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 11, 2020	Grant Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	Jun 25, 2009 · Amount on File
Deed Document Number	202032025
Prior Transfer Date	Dec 30, 2008
Prior Transfer Doc	0000000806
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	640 FLORA WAY, WATERFORD, CA 95386-9768
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 FLORA WAY, WATERFORD, CA 95386-9768

Mortgage

Document Number	0000074168
Date	Nov 17, 2022
Instrument	2022-0074168

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Jun 1, 2050

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	May 11, 2020
Property Address	640 FLORA WAY, WATERFORD, CA 95386-9768
Document Number	0000032025
Instrument Date	May 7, 2020
Instrument	32025
Transaction Type	Transfer
Record Updated	May 20, 2020
Title Company	STEWART TITLE, STEWART TITLE/MODESTO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 FLORA WAY WATERFORD CA 953869768, WATERFORD, CA 95386-9768

Mortgage

Document Number	32026
Date	May 11, 2020
Instrument	32026

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 640 Flora Way was $3,726 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	$3,726.00 (+1.5%) Homeowner's exemption	$312,341 (+2%) Land $111,550 Building $200,791
2025	$3,671.00 Homeowner's exemption	$306,217 Land $109,363 Building $196,854
2023	$3,520.00 (+1.59%) Homeowner's exemption	$294,328 Land $105,117 Building $189,211
2022	$3,465.00

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

Flood

FEMA maps place 640 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 640 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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