San Joaquin County property record for 646 Monte Oro St, Manteca, CA 95337
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,323 sqft · built 2007 |
| Lot Size | 0.146 acres (6,346 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $483,000 (Mar 2007) |
| Tax Bill | $8,929 (2026) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 224-410-290-000 |
| Primary APN | 224-410-290-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,323 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 6,346 sqft (0.146 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 224-410-29 |
|---|---|
| Street Address | 646 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 | 136 |
| Jurisdiction | SAN JOAQUIN CA |
| Township / Civil Division | MANTECA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 5137 |
646 Monte Oro St is owned and occupied by two individuals who acquired it in May 2007.
Source: San Joaquin County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 646 MONTE ORO ST, MANTECA, CA 95337-8729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2007 · Amount on File |
| Deed Sale | Mar 30, 2007 · Amount on File |
| Deed Document Number | 200763096 |
| Last Transfer Date | May 8, 2007 |
| Transfer Doc | 0000091596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN JOAQUIN CA |
| Property Address | 646 MONTE ORO ST, MANTECA, CA 95337-8729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NORTH AMERICAN TITLE CONCORD |
| Name | Verified Name |
|---|---|
| Address | 646 MONTE ORO ST, MANTECA, CA 95337-8729 |
| Document Number | 0000071574 |
|---|---|
| Date | Jul 8, 2019 |
| Instrument | 2019-071574 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2026 property tax bill for 646 Monte Oro St was $8,929 with a homeowner's exemption, up 3% from the year before.
Source: San Joaquin County assessment roll, as of September 24, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Joaquin County |
| Municipality | Manteca City |
| Unified School District | Manteca Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,929.00 (+3.03%) | ||
| 2025 | $8,666.00 Homeowner's exemption | $647,083 Land $258,564 Building $388,519 | |
| 2023 | $8,379.00 (+0.94%) Homeowner's exemption | $621,958 Land $248,525 Building $373,433 | $623,970 |
| 2022 | $8,301.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 Monte Oro St in Zone X, an area of minimal flood risk.
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.
The area around 646 Monte Oro 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 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 |
| 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.
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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