1870 3rd St, Atwater, CA 95301 Property Records

Merced County property record for 1870 3rd St, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,881 sqft · built 1952
Lot Size	0.25 acres (10,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Jun 2006)
Tax Bill	$3,760 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002-141-012-000`

Property Details

APN / Parcel Number

Primary APN	`002-141-012-000`
Alternative APN	`002-141-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,881 sqft Living Area
1st Floor Area	1,881 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1965
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	10,904 sqft (0.25 acres)
Garage Area	480 sqft
Porch	Porch
Porch Area	22 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	002-141-012
Street Address	1870 3RD ST
City	ATWATER
State	CA
Zip	95301-3611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	MELLO ADD LOT 9 & POR 10
Legal Subdivision	MELLO ADD
Legal Lot Number	9
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	1
Census Block	1007
Census Tract	701

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1870 3RD ST, ATWATER, CA 95301-3611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MERCED SCHOOL EMPLOYEES FCU
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2006 · Amount on Record
Deed Sale	Jun 13, 2006 · Amount on Record
Deed Document Number	200641974
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1870 3RD ST, ATWATER, CA 95301-3611
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 3RD ST, ATWATER, CA 95301-3611

Mortgage

Document Number	0000023498
Date	Sep 2, 2025
Instrument	2025023498

Lender

Name	MERCED SCHOOL EMPLOYEES FCU
Type	Credit Union
Address	MERCED, CA 95348

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 2, 2040

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1870 3RD ST, ATWATER, CA 95301-3611
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1870 3RD ST, ATWATER, CA 95301-3611

Mortgage

Document Number	0000035719
Date	Oct 2, 2020
Instrument	2020035719

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

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		$382,500 (+10.07%) Land $120,000 Building $262,500
2025	$3,760.00 (-2.21%)	$347,500 (-3.34%) Land $100,000 Building $247,500
2023	$3,845.00 (-0.34%)	$359,500 Land $95,000 Building $264,500
2022	$3,858.00

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

Flood

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

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

Wildfire Risk	Not rated no burnable land within 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 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 580 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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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