645 Monte Oro St, Manteca, CA 95337 Property Records

San Joaquin County property record for 645 Monte Oro St, Manteca, CA 95337

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,855 sqft · built 2012
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$18,181 (May 2022)
Tax Bill	$7,815 (2025)
Deeds & Mortgages	May 2022 Transfer May 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`224-410-150-000`

Property Details

APN / Parcel Number

Primary APN	`224-410-150-000`
Alternative APN	`224-410-15`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,855 sqft Living Area
1st Floor Area	1,855 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,534 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	224-410-15
Street Address	645 MONTE ORO ST
City	MANTECA
State	CA
Zip	95337-8729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	06-FM PT OF 224-021-27/TERRA BELLA
Legal Subdivision	TERRA BELLA
Legal Block	1
Legal Lot Number	74
Jurisdiction	SAN JOAQUIN CA
Township / Civil Division	MANTECA
Census Block Group	1
Census Block	1026
Census Tract	5137

Owner

Source: San Joaquin County records, as of September 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	645 MONTE ORO ST, MANTECA, CA 95337-8729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Intrafamily Transfer, Transfer
May 10, 2022	Intrafamily Transfer, Transfer
May 13, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 11, 2020	Quit Claim Deed WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS
Aug 11, 2020	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	May 13, 2021 · Amount on Record
Deed Document Number	202260508
Prior Transfer Date	Apr 17, 2022
Prior Transfer Doc	0000060507
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 10, 2022
Property Address	645 MONTE ORO ST, MANTECA, CA 95337-8729
Document Number	0000060508
Map Reference	MB 40 MAP 55
Instrument Date	Apr 17, 2022
Instrument	2022-060508
Transaction Type	Transfer
Record Updated	Jul 25, 2022

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
Address	645 MONTE ORO ST, MANTECA, CA 95337-8729

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 10, 2022
Property Address	645 MONTE ORO ST, MANTECA, CA 95337-8729
Document Number	0000060507
Map Reference	MB 40 MAP 55
Instrument Date	Apr 17, 2022
Instrument	2022-060507
Transaction Type	Transfer
Record Updated	Jul 25, 2022

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	Joint Tenants
Address	645 MONTE ORO ST, MANTECA, CA 95337-8729

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	May 13, 2021
Property Address	645 MONTE ORO ST, MANTECA, CA 95337-8729
Document Number	0000084234
Map Reference	MB 40 PG 55
Instrument Date	Apr 28, 2021
Instrument	2021-084234
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	645 MONTE ORO ST, MANTECA, CA 95337-8729

Mortgage

Document Number	0000084235
Date	May 13, 2021
Instrument	2021-084235

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 11, 2020
Property Address	645 MONTE ORO ST, MANTECA, CA 95337-8729
Document Number	0000099113
Instrument Date	Aug 9, 2020
Instrument	99113
Record Updated	Sep 4, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	645 MONTE ORO ST MANTECA CA 953378729, MANTECA, CA 95337-8729

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN JOAQUIN CA
Recording Date	Aug 11, 2020
Property Address	645 MONTE ORO ST, MANTECA, CA 95337-8729
Document Number	0000099114
Map Reference	DOC 2007-119089
Instrument Date	Aug 3, 2020
Instrument	2020-099114
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	645 MONTE ORO ST, MANTECA, CA 95337-8729

Mortgage

Document Number	0000099115
Date	Aug 11, 2020
Instrument	2020-099115

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: San Joaquin County assessment roll, as of September 24, 2025

Property Jurisdictions

Type	Name
State	California
County	San Joaquin County
Municipality	Manteca City
Unified School District	Manteca Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,815.00 (+3.35%)	$569,087 (+4.04%) Land $156,952 Building $412,135
2023	$7,562.00 (+9.01%)	$546,990 Land $150,858 Building $396,132	$579,060
2022	$6,937.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MANTECA serves 84,928 people · EPA ID CA3910005
Water Source	Purchased surface water from SOUTH SAN JOAQUIN IRRIGATION DISTRICT
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
ezWave Fixed Wireless	1,000 / 200
Cal.net Fixed Wireless	100 / 20

May also be available: Matrix Broadband, unWired Broadband, Verizon.

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