Stanislaus County property record for 656 Flora Way, Waterford, CA 95386
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,545 sqft · built 1987 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Nov 1994) |
| Tax Bill | $2,491 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-058-059-000 |
| Primary APN | 080-058-059-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,545 sqft Living Area |
| Gross Area | 1,056 sqft |
| 1st Floor Area | 1,545 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Wood |
| Lot Area | 6,098 sqft (0.14 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 656 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 16 |
| Legal Subdivision | COUNTRY GARDENS 02 |
| Legal Block | 3 |
| Legal Lot Number | 16 |
| Jurisdiction | STANISLAUS CA |
| Township / Civil Division | WATERFORD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 2802 |
656 Flora Way is owned and occupied by two individuals who bought it in November 1994.
Source: Stanislaus County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 FLORA WAY, WATERFORD, CA 95386-9768 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 1994 · Amount on File |
| Deed Sale | Nov 14, 1994 · Amount on File |
| Deed Document Number | 1994107963 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STANISLAUS CA |
| Property Address | 656 FLORA WAY, WATERFORD, CA 95386-9768 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 656 FLORA WAY, WATERFORD, CA 95386-9768 |
| Document Number | 0000028289 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 2021-0028289 |
| Name | PLATINUM HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROLLING MEADOWS, IL 60008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2026 property tax bill for 656 Flora Way was $2,491 with a homeowner's exemption, up 1.6% from the year before.
Source: Stanislaus County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Stanislaus County |
| Municipality | Waterford City |
| Unified School District | Waterford Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,491.00 (+1.59%) Homeowner's exemption | $199,633 (+2%) Land $59,952 Building $139,681 |
| 2025 | $2,452.00 Homeowner's exemption | $195,720 Land $58,777 Building $136,943 |
| 2023 | $1,876.00 (+1.74%) Homeowner's exemption | $145,282 Land $56,496 Building $88,786 |
| 2022 | $1,844.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 656 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 risk around 656 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.
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 |
| 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.
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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