652 Flora Way, Waterford, CA 95386 Property Records

Stanislaus County property record for 652 Flora Way, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1987
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$155,500 (Dec 2014)
Tax Bill	$2,469 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-058-060-000`

Property Details

APN / Parcel Number

Primary APN	`080-058-060-000`
Alternative APNs	`0805860000` `0805860`

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	5,663 sqft (0.13 acres)
Parking Spaces	2 Parking Spaces
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	652 FLORA WAY
City	WATERFORD
State	CA
Zip	95386-9768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY GARDENS NO 2 BLK 3 LOT 17
Legal Subdivision	COUNTRY GARDENS 02
Legal Block	3
Legal Lot Number	17
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2005
Census Tract	2802

Owner

652 Flora Way is owned by an individual who acquired it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1549 CAROLDEEN ST, OAKDALE, CA 95361-8733
Owner Type	Individual
Vesting	Sole Owner

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 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Aug 6, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 24, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2014 · Amount on File
Deed Sale	Dec 5, 2014 · Amount on File
Prior Sale	Sep 26, 2008 · Amount on File
Deed Document Number	201480704
Last Transfer Date	Feb 19, 2021
Transfer Doc	0000017439
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Feb 23, 2021
Property Address	652 FLORA WAY, WATERFORD, CA 95386-9768
Document Number	0000017439
Map Reference	VOL 31 PG 3
Instrument Date	Feb 19, 2021
Instrument	2021-0017439
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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	1549 CAROLDEEN ST, OAKDALE, CA 95361-8733

Mortgage

Document Number	0000017440
Date	Feb 23, 2021
Instrument	2021-0017440

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	Aug 6, 2019
Property Address	652 FLORA WAY, WATERFORD, CA 95386-9768
Document Number	0000051665
Map Reference	VOL 31 PG 3
Instrument Date	Aug 5, 2019
Instrument	2019-0051665
Transaction Type	Transfer
Record Updated	Aug 17, 2021

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	1549 CAROLDEEN ST, OAKDALE, CA 95361-8733

Mortgage

Document Number	0000051666
Date	Aug 6, 2019
Instrument	2019-0051666

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STANISLAUS CA
Recording Date	May 24, 2017
Property Address	652 FLORA WAY, WATERFORD, CA 95386-9768
Document Number	0000037268
Map Reference	MAP31 PG3
Instrument Date	May 17, 2017
Instrument	2017-0037268
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CYPRESS TITLE CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	652 FLORA WAY, WATERFORD, CA 95386-9768

Mortgage

Document Number	0000037269
Date	May 24, 2017
Instrument	2017-0037269

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 652 Flora Way was $2,469, up 1.6% 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	$2,469.00 (+1.56%)	$190,613 (+2%) Land $55,159 Building $135,454
2025	$2,431.00	$186,877 Land $54,078 Building $132,799
2023	$2,332.00 (+1.61%)	$179,623 Land $51,979 Building $127,644
2022	$2,295.00

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

Flood

FEMA maps place 652 Flora Way 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 652 Flora Way 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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