Stanislaus County property record for 644 Spruce St, Turlock, CA 95380
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,161 sqft · built 1948 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,500 (Jun 2015) |
| Tax Bill | $1,743 (2026) |
| Deeds & Mortgages | Feb 2017 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 050-031-006-000 |
| Primary APN | 050-031-006-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,161 sqft Living Area |
| 1st Floor Area | 1,161 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Wood |
| Lot Area | 4,356 sqft (0.1 acres) |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 644 SPRUCE ST |
|---|---|
| City | TURLOCK |
| State | CA |
| Zip | 95380-5614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | TURLOCK |
| Legal Block | 4 |
| Legal Lot Number | 14&15 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | TURLOCK |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 3802 |
644 Spruce St is owned and occupied by two individuals who bought it in June 2015.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 644 SPRUCE ST, TURLOCK, CA 95380-5614 |
| 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 |
|---|---|
| Feb 9, 2017 | Deed of Trust, Mortgage · FHA Mortgage NEW PENN FINANCIAL LLC |
| Apr 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MONSTERLOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2015 · Amount on File |
| Deed Sale | Jun 23, 2015 · Amount on File |
| Deed Document Number | 201548428 |
| Prior Transfer Date | Aug 10, 2000 |
| Prior Transfer Doc | 0000067915 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 644 SPRUCE ST, TURLOCK, CA 95380-5614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009615 |
|---|---|
| Date | Feb 9, 2017 |
| Instrument | 2017-0009615 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 644 SPRUCE ST, TURLOCK, CA 95380-5614 |
| Document Number | 0000024581 |
| Instrument Date | Apr 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2019 |
| Title Company | VANTAGE PT TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 644 SPRUCE ST TURLOCK CA 953805614, TURLOCK, CA 95380-5614 |
| Document Number | 0000024581 |
|---|---|
| Date | Apr 23, 2019 |
| Instrument | 24581 |
| Name | MONSTERLOANS |
|---|---|
| Address | LAKE FOREST, CA 92630 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2049 |
The 2026 property tax bill for 644 Spruce St was $1,743, up 1.9% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Stanislaus County |
| Municipality | Turlock City |
| Unified School District | Turlock Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,743.00 (+1.87%) | $162,419 (+2%) Land $61,290 Building $101,129 |
| 2025 | $1,711.00 | $159,236 Land $60,089 Building $99,147 |
| 2023 | $1,676.00 (+1.27%) | $153,054 Land $57,756 Building $95,298 |
| 2022 | $1,655.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 644 Spruce St 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.
The area around 644 Spruce St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 TURLOCK serves 72,888 people · EPA ID CA5010019 |
|---|---|
| Water Source | Purchased surface water from STANISLAUS REGIONAL WATER AUTHORITY |
| Last State Inspection | Mar 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | Nitrate resolved · Jan 2017 |
|---|---|
| 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 483 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Ayera Technologies Fixed Wireless | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: unWired Broadband.
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