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986 Papaya St, Madera, CA 93638 Property Records

Madera County property record for 986 Papaya St, Madera, CA 93638 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,126 sqft · built 2006
Lot Size0.083 acres (3,600 sqft)
OwnerIndividual Name on File
Last Sale$210,000 (Jan 2016)
Tax Bill$4,274 (2025)
Deeds & MortgagesMar 2021 Mortgage
May 2026 Line of Credit
Flood ZoneZone AH (high risk)
APN011-341-025-000

Property Details

APN / Parcel Number

Primary APN011-341-025-000
Alternative APN
  • 011341025

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area2,126 sqft Living Area
Basement Area420 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Construction TypeFrame
Lot Area3,600 sqft (0.083 acres)
Garage Area420 sqft
Parking Spaces2 Parking Spaces
Patio Area220 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address986 PAPAYA ST
CityMADERA
StateCA
Zip93638-9320
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionORCHARD POINTE ESTATES PHASE 1 LOT 27
Legal SubdivisionORCHARD POINTE ESTATES PHASE 1
Legal Lot Number27
JurisdictionMADERA CA
Township / Civil DivisionMADERA
Census Block Group2
Census Block2002
Census Tract902

Owner

Source: Madera County records · APN 011-341-025-000

Assessment roll updated July 20, 2026 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address986 PAPAYA ST, MADERA, CA 93638-9320
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2021Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
May 19, 2026Deed of Trust, Mortgage · Line of Credit
FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 21, 2016 · Amount on Record
Deed SaleJan 21, 2016 · Amount on Record
Prior SaleJun 15, 2009 · Amount on Record
Deed Document Number20161604
Prior Transfer DateOct 09, 2006
Prior Transfer Doc0000048645
Record UpdatedSep 20, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADERA CA
Property Address986 PAPAYA ST, MADERA, CA 93638-9320
Transaction TypeMortgage
Record UpdatedJun 08, 2026
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address986 PAPAYA ST, MADERA, CA 93638-9320

Mortgage

Document Number0000009216
DateMar 25, 2021
Instrument2021009216
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term310 Months
DueJan 01, 2047

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADERA CA
Recording DateMay 19, 2026
Property Address986 PAPAYA ST, MADERA, CA 93638-9320
Document Number0000010390
Instrument DateMay 11, 2026
Instrument202610390
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address986 PAPAYA ST, MADERA, CA 93638-9320
InvestorPossibly a Property Investor

Mortgage

Document Number0000010390,
DateMay 19, 2026
Instrument202610390
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate6.37%
Max Rate-1%

Tax Assessment & Valuation

Source: Madera County records · Assessment roll updated July 20, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyMadera County
MunicipalityMadera City
Unified School DistrictMadera Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$257,131 (+2%) Land $42,257 Building $214,874
2025$4,274.00 (+2.67%)$252,090 (+4.04%) Land $41,429 Building $210,661
2023$4,163.00 (+4.13%)$242,303 Land $39,821 Building $202,482
2022$3,998.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madera County (06039C), updated October 18, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060390009022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AH
shallow ponding 1–3 ft
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation269.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 97 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
UnWired Broadband HoldingFixed Wireless (unlicensed)400 / 50
Cal.netFixed Wireless100 / 20

May also be available at this address: AT&T, Verizon, Cal.net. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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