1130 Swaps St, Atwater, CA 95301 Property Records

Merced County property record for 1130 Swaps St, Atwater, CA 95301

Property Summary

Property Type	Multi-Family Dwellings
Details	2 bd · 1 ba · 2,844 sqft · built 1979
Lot Size	0.185 acres (8,035 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Apr 2019)
Tax Bill	$3,866 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`156-091-009-000`

Property Details

APN / Parcel Number

Primary APN	`156-091-009-000`
Alternative APN	`156-091-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	17 Rooms
Units	4 Units
Stories	1 Story
Building Area	2,844 sqft Living Area
1st Floor Area	2,844 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1981
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,035 sqft (0.185 acres)
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	156-091-009
Street Address	1130 SWAPS ST
City	ATWATER
State	CA
Zip	95301-2426
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R325
Legal Description	GOLDEN GATE PK LOT 7
Legal Subdivision	GOLDEN GATE PARK
Legal Lot Number	7
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	4
Census Block	4000
Census Tract	603

Owner

1130 Swaps St, a residential property, is owned by two individuals who bought it in April 2019.

Source: Merced County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	73 HENRIQUES LN, MILPITAS, CA 95035-6258
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP
Apr 9, 2019	Grant Deed, Transfer · Conventional Mortgage GIANT REALTY INC
Dec 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2019 · Amount on File
Deed Sale	Apr 9, 2019 · Amount on File
Prior Sale	Mar 16, 2010 · Amount on File
Deed Document Number	20199890
Prior Transfer Date	Apr 29, 2015
Prior Transfer Doc	0000014594
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1130 SWAPS ST, ATWATER, CA 95301-2426
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025992
Date	Jul 31, 2020
Instrument	2020025992

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Apr 9, 2019
Property Address	1130 SWAPS ST, ATWATER, CA 95301-2426
Document Number	0000009890
Instrument Date	Mar 27, 2019
Instrument	9890
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	73 HENRIQUES LN MILPITAS CA 950356258, MILPITAS, CA 95035-6258

Mortgage

Document Number	9891
Date	Apr 9, 2019
Instrument	9891

Lender

Name	GIANT REALTY INC
Address	CUPERTINO, CA 95014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1130 SWAPS ST, ATWATER, CA 95301-2426
Document Number	0000000089
Instrument Date	Dec 23, 2017
Transaction Type	Mortgage
Record Updated	Jan 17, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1771 MARGO DR CONCORD CA 945191501, CONCORD, CA 94519-1501

Mortgage

Document Number	0000000089
Date	Jan 3, 2018
Instrument	89

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2048

Tax Assessment & Valuation

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	California
Municipality	Atwater City
County	Merced County
Elementary School District	Atwater Elementary School District (KG - 08)
Secondary School District	Merced Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$364,101 (+1.57%) Land $62,578 Building $301,523
2025	$3,866.00 (+5.2%)	$358,462 (+4.02%) Land $61,351 Building $297,111
2023	$3,675.00 (+1.1%)	$344,603 Land $58,970 Building $285,633
2022	$3,635.00

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

Flood

FEMA maps place 1130 Swaps St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 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 1130 Swaps St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 ATWATER serves 29,479 people · EPA ID CA2410001
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) 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 635 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
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: Verizon.

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