Merced County property record for 178 Spinnaker Dr, Atwater, CA 95301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,835 sqft · built 2006 |
| Lot Size | 0.163 acres (7,090 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Apr 2008) |
| Tax Bill | $3,184 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-280-034-000 |
| Primary APN | 150-280-034-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,835 sqft Living Area |
| Gross Area | 2,384 sqft |
| 1st Floor Area | 1,835 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Lot Area | 7,090 sqft (0.163 acres) |
| Garage Type | Attached |
| Garage Area | 549 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 477 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 150-280-034 |
|---|---|
| Street Address | 178 SPINNAKER DR |
| City | ATWATER |
| State | CA |
| Zip | 95301-4790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD16 |
| Legal Description | SHAF LKS W #3 LOT 16 |
| Legal Subdivision | SHAF LAKES W 03 |
| Legal Lot Number | 16 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | ATWATER |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 603 |
178 Spinnaker Dr is owned and occupied by two individuals who acquired it in January 2011.
Source: Merced County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 178 SPINNAKER DR, ATWATER, CA 95301-4790 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2008 · Amount on File |
| Deed Sale | Apr 8, 2008 · Amount on File |
| Prior Sale | Nov 15, 2007 · Amount on File |
| Deed Document Number | 200818547 |
| Last Transfer Date | Jan 10, 2011 |
| Transfer Doc | 0000002329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 178 SPINNAKER DR, ATWATER, CA 95301-4790 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 178 SPINNAKER DR, ATWATER, CA 95301-4790 |
| Document Number | 0000024977 |
|---|---|
| Date | Jun 4, 2021 |
| Instrument | 2021024977 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 178 SPINNAKER DR, ATWATER, CA 95301-4790 |
| Document Number | 0000022494 |
| Instrument Date | Jul 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 178 SPINNAKER DR ATWATER CA 95301, ATWATER, CA 95301 |
| Document Number | 0000022494 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 22494 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 7, 2050 |
The 2025 property tax bill for 178 Spinnaker Dr was $3,184 with a homeowner's exemption.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $306,963 (+2%) Land $47,372 Building $259,591 | |
| 2025 | $3,184.00 Homeowner's exemption | $300,945 Land $46,444 Building $254,501 |
| 2023 | $3,024.00 (+1.14%) Homeowner's exemption | $289,261 Land $44,642 Building $244,619 |
| 2022 | $2,990.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 178 Spinnaker Dr 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 risk around 178 Spinnaker 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.
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 |
| 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 509 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ayera Technologies Fixed Wireless | 1,000 / 500 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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