648 Curran Dr, Waterford, CA 95386 Property Records

Stanislaus County property record for 648 Curran Dr, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1987
Lot Size	0.235 acres (10,241 sqft)
Owner	2 Company Names on File
Last Sale	$110,000 (Aug 2009)
Tax Bill	$1,890 (2026)
Deeds & Mortgages	Sep 2025 Transfer Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-058-044-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-044-000`
Alternative APNs	`0805844000` `0805844`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	10,241 sqft (0.235 acres)
View / Lot	Irregular Lot
Parking Spaces	2 Parking Spaces
Pool Type	Pool with Hot Tub/Spa

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	648 CURRAN DR
City	WATERFORD
State	CA
Zip	95386-9775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY GARDEN NO 2 BLK 6 LOT 10
Legal Subdivision	COUNTRY GARDENS UN 02
Legal Block	6
Legal Lot Number	10
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2004
Census Tract	2802

Owner

648 Curran Dr is owned by a company that acquired it in July 2016.

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

Owner of Record	2 Company Names on File
Mailing Address	648 CURRAN DR, WATERFORD, CA 95386-9775
Owner Type	Company
Vesting	Life Tenant

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
Sep 19, 2025	Intrafamily Transfer, Transfer
Jun 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage VALLEY FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2009 · Amount on File
Deed Sale	Aug 12, 2009 · Amount on File
Prior Sale	Apr 9, 2009 · Amount on File
Deed Document Number	200979470
Last Transfer Date	Jul 25, 2016
Transfer Doc	0000056845
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Sep 19, 2025
Property Address	648 CURRAN DR, WATERFORD, CA 95386-9775
Document Number	0000045978
Instrument Date	Sep 16, 2025
Instrument	2025-0045978
Transaction Type	Transfer
Record Updated	Oct 1, 2025

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	Family Revocable Trust
Address	648 CURRAN DR, WATERFORD, CA 95386-9775

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STANISLAUS CA
Property Address	648 CURRAN DR, WATERFORD, CA 95386-9775
Document Number	0000046629
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Mar 19, 2018
Title Company	STEWART TITLE, STEWART TITLE/MODESTO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	648 CURRAN DR WATERFORD CA 953869775, WATERFORD, CA 95386-9775

Mortgage

Document Number	0000046629
Date	Jun 28, 2017
Instrument	46629

Lender

Name	VALLEY FIRST CU
Type	Credit Union
Address	MODESTO, CA 95354

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 27, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 648 Curran Dr was $1,890, up 1.7% 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	$1,890.00 (+1.67%)	$144,816 (+2%) Land $39,491 Building $105,325
2025	$1,859.00 Homeowner's exemption	$141,977 Land $38,717 Building $103,260
2023	$1,779.00 (+1.77%) Homeowner's exemption	$136,465 Land $37,214 Building $99,251
2022	$1,748.00

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

Flood

FEMA maps place 648 Curran Dr 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 648 Curran Dr 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.

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 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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