Merced County property record for 228 Harbor Dr, Atwater, CA 95301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,029 sqft · built 1995 |
| Lot Size | 0.197 acres (8,580 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $479,000 (Aug 2025) |
| Tax Bill | $5,306 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage May 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-270-058-000 |
| Primary APN | 150-270-058-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,029 sqft Living Area |
| Gross Area | 2,639 sqft |
| 1st Floor Area | 2,029 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 8,580 sqft (0.197 acres) |
| Garage Type | Attached |
| Garage Area | 610 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 78 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 150-270-058 |
|---|---|
| Street Address | 228 HARBOR DR |
| City | ATWATER |
| State | CA |
| Zip | 95301-2297 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD16 |
| Legal Description | SHAF LKS W #2 LOT 47 |
| Legal Subdivision | SHAF LAKES W 02 |
| Legal Lot Number | 47 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | ATWATER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 603 |
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 | 228 HARBOR DR, ATWATER, CA 95301-2297 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 26, 2025 | Grant Deed, Transfer · Conventional Mortgage TODAYS HOME MORTGAGE INC |
| May 3, 2022 | Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 15, 2018 | Grant Deed, Transfer NATIONS LNDG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2025 · Amount on Record |
| Deed Sale | Aug 26, 2025 · Amount on Record |
| Prior Sale | May 3, 2022 · Amount on Record |
| Deed Document Number | 202522840 |
| Prior Transfer Date | Sep 10, 2007 |
| Prior Transfer Doc | 0000050927 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Aug 26, 2025 |
| Property Address | 228 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000022840 |
| Map Reference | VOL 37 PG 38 |
| Instrument Date | Aug 19, 2025 |
| Instrument | 2025022840 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 228 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000022841 |
|---|---|
| Date | Aug 26, 2025 |
| Instrument | 2025022841 |
| Name | TODAYS HOME MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | May 3, 2022 |
| Property Address | 228 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000017606 |
| Map Reference | VOL 37 PG 38-40 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022017606 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 226 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 228 HARBOR DR, ATWATER, CA 95301-2297 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TRANSCOUNTY TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 228 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000045459 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 2020045459 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 15, 2018 |
| Property Address | 228 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000007535 |
| Instrument Date | Mar 8, 2018 |
| Instrument | 7535 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.90 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 228 HARBOR DR ATWATER CA 953012297, ATWATER, CA 95301-2297 |
| Document Number | 7536 |
|---|---|
| Date | Mar 15, 2018 |
| Instrument | 7536 |
| Name | NATIONS LNDG SVCS |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 14, 2048 |
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 | $479,000 (-3.55%) Land $100,000 Building $379,000 | |
| 2025 | $5,306.00 (+2.49%) | $496,644 (+4.04%) Land $90,202 Building $406,442 |
| 2024 | $5,177.00 (+2.7%) | |
| 2023 | $5,041.00 (+35.88%) Homeowner's exemption | $477,360 Land $86,700 Building $390,660 |
| 2022 | $3,710.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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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