Merced County property record for 2340 River Rock Dr, Merced, CA 95340
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 2,622 sqft · built 2006 |
| Lot Size | 0.219 acres (9,550 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $245,000 (May 2009) |
| Tax Bill | $5,379 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 008-402-010-000 |
| Primary APN | 008-402-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,622 sqft Living Area |
| Gross Area | 629 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Lot Area | 9,550 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 629 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 008-402-010 |
|---|---|
| Street Address | 2340 RIVER ROCK DR |
| City | MERCED |
| State | CA |
| Zip | 95340-8215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R16 |
| Legal Description | SUMMER CREEK PHASE 1 LOT 68 |
| Legal Subdivision | SUMMER CREEK PH 01 |
| Legal Lot Number | 68 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 2602 |
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 | 2340 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 12, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 26, 2020 | Deed of Trust, Mortgage · Conventional with PMI PENNYMAC |
| Feb 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2009 · Amount on Record |
| Deed Sale | May 5, 2009 · Amount on Record |
| Prior Sale | May 30, 2008 · Amount on Record |
| Deed Document Number | 200922513 |
| Last Transfer Date | May 9, 2024 |
| Transfer Doc | 0000010846 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Oct 12, 2021 |
| Property Address | 2340 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Document Number | 0000045486 |
| Map Reference | MB 62 PG 43-47 |
| Instrument Date | Jul 22, 2021 |
| Instrument | 2021045486 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2340 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Document Number | 0000045487 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 2021045487 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Aug 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 2340 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Document Number | 0000011349 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2020 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2340 RIVER ROCK DR MERCED CA 953408215, MERCED, CA 95340-8215 |
| Document Number | 0000011349 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 11349 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 5, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 2340 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Document Number | 0000006201 |
| Instrument Date | Feb 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2018 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2340 RIVER ROCK DR MERCED CA 953408215, MERCED, CA 95340-8215 |
| Document Number | 0000006201 |
|---|---|
| Date | Mar 2, 2018 |
| Instrument | 6201 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 1, 2038 |
Source: Merced County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Municipality | Merced City |
| Elementary School District | Merced City Elementary School District (KG - 08) |
| Secondary School District | Merced Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $401,113 (+2%) Land $45,965 Building $355,148 | |
| 2025 | $5,379.00 (+5.16%) Homeowner's exemption | $393,249 (+4.04%) Land $45,064 Building $348,185 |
| 2024 | $5,115.00 (+1.77%) | |
| 2023 | $5,026.00 (+2.15%) Homeowner's exemption | $377,980 Land $43,315 Building $334,665 |
| 2022 | $4,920.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.03% 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 MERCED serves 96,073 people · EPA ID CA2410009 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2022–2024) 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 620 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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