Stanislaus County property record for 644 Flora Way, Waterford, CA 95386
| 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 |
| Tax Bill | $2,215 (2026) |
| Deeds & Mortgages | Aug 2022 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-058-062-000 |
| Primary APN | 080-058-062-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,056 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 644 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 19 |
| Legal Subdivision | COUNTRY GARDENS 02 |
| Legal Block | 3 |
| Legal Lot Number | 19 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 2802 |
644 Flora Way is owned and occupied by two individuals.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 644 FLORA WAY, WATERFORD, CA 95386-9768 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 12, 2022 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Apr 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 644 FLORA WAY, WATERFORD, CA 95386-9768 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2023 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 644 FLORA WAY, WATERFORD, CA 95386-9768 |
| Document Number | 0000055209 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 2022-0055209 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 644 FLORA WAY, WATERFORD, CA 95386-9768 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000023290 |
|---|---|
| Date | Apr 18, 2019 |
| Instrument | 2019-0023290 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2026 property tax bill for 644 Flora Way was $2,215 with a homeowner's exemption, up 1.6% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Stanislaus County |
| Municipality | Waterford City |
| Unified School District | Waterford Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,215.00 (+1.61%) Homeowner's exemption | $174,491 (+2%) Land $56,280 Building $118,211 |
| 2025 | $2,180.00 Homeowner's exemption | $171,071 Land $55,177 Building $115,894 |
| 2023 | $2,087.00 (+1.71%) Homeowner's exemption | $164,431 Land $53,036 Building $111,395 |
| 2022 | $2,052.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 644 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 risk around 644 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.
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 |
| 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.
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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