645 Curran Ct, Waterford, CA 95386 Property Records

Stanislaus County property record for 645 Curran Ct, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1987
Lot Size	0.221 acres (9,622 sqft)
Owner	Individual Name on File
Tax Bill	$4,381 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-058-032-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-032-000`
Alternative APNs	`0805832000` `0805832`

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	9,622 sqft (0.221 acres)
View / Lot	Irregular Lot
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	645 CURRAN CT
City	WATERFORD
State	CA
Zip	95386-9776
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY GARDENS NO 2 BLK 5 LOT 22
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	5
Legal Lot Number	22
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2001
Census Tract	2802

Owner

645 Curran Ct is owned by an individual who acquired it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	641 CURRAN CT, WATERFORD, CA 95386-9776
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
Feb 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 15, 2023	Affidavit of Death of Joint Tenant, Transfer
May 10, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 26, 2022
Transfer Doc	0000020803
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	645 CURRAN CT, WATERFORD, CA 95386-9776
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 CURRAN CT, WATERFORD, CA 95386-9776

Mortgage

Document Number	0000011674
Date	Feb 27, 2026
Instrument	2026-0011674

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

December 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	STANISLAUS CA
Recording Date	Dec 15, 2023
Property Address	645 CURRAN CT, WATERFORD, CA 95386-9776
Document Number	0000058704
Map Reference	VOL 31 PG 3
Instrument Date	Dec 13, 2023
Instrument	2023-0058704
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 CURRAN CT, WATERFORD, CA 95386-9776

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	May 10, 2023
Property Address	645 CURRAN CT, WATERFORD, CA 95386-9776
Document Number	0000020803
Map Reference	VOL 31 PG 3
Instrument Date	Jul 26, 2022
Instrument	2023-0020803
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	645 CURRAN CT, WATERFORD, CA 95386-9776

Tax Assessment & Valuation

The 2026 property tax bill for 645 Curran Ct was $4,381, 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	$4,381.00 (+1.44%)	$365,180 (+2%) Land $223,686 Building $141,494
2025	$4,319.00	$358,020 Land $219,300 Building $138,720
2023	$1,874.00 (+1.74%) Homeowner's exemption	$145,152 Land $54,302 Building $90,850
2022	$1,842.00

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

Flood

FEMA maps place 645 Curran Ct 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 645 Curran Ct is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 61% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 218 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

May also be available: ezWave, Verizon.

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