Merced County property record for 2355 River Rock Dr, Merced, CA 95340
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,855 sqft · built 2006 |
| Lot Size | 0.219 acres (9,539 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Feb 2009) |
| Tax Bill | $3,811 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 008-393-029-000 |
| Primary APN | 008-393-029-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,855 sqft Living Area |
| Gross Area | 2,278 sqft |
| 1st Floor Area | 1,855 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood |
| Lot Area | 9,539 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 423 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 008-393-029 |
|---|---|
| Street Address | 2355 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 88 |
| Legal Subdivision | SUMMER CREEK PH 01 |
| Legal Lot Number | 88 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 2602 |
2355 River Rock Dr is owned and occupied by an individual who acquired it in July 2020.
Source: Merced County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2355 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Dec 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Jul 13, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2009 · Amount on File |
| Deed Sale | Feb 9, 2009 · Amount on File |
| Prior Sale | Oct 19, 2005 · Amount on File |
| Deed Document Number | 20097674 |
| Last Transfer Date | Jul 6, 2020 |
| Transfer Doc | 0000023244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 2355 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2355 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Document Number | 0000021150 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 2023021150 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 2355 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000044636 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | 2017-044636 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | Conventional Mortgage |
|---|---|
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jul 13, 2020 |
| Property Address | 2355 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Document Number | 0000023244 |
| Map Reference | MB 62 PG 43-47 |
| Instrument Date | Jul 6, 2020 |
| Instrument | 2020023244 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | TRANSCOUNTY TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2355 RIVER ROCK DR, MERCED, CA 95340-8215 |
| Document Number | 0000023245 |
|---|---|
| Date | Jul 13, 2020 |
| Instrument | 2020023245 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 2355 River Rock Dr was $3,811, up 4.8% from the year before.
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 | $249,550 (+2%) Land $45,965 Building $203,585 | |
| 2025 | $3,811.00 (+4.84%) | $244,658 Land $45,064 Building $199,594 |
| 2024 | $3,635.00 (+1.88%) | |
| 2023 | $3,568.00 (+2.47%) | $235,160 Land $43,315 Building $191,845 |
| 2022 | $3,482.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2355 River Rock Dr in Zone X, an area of moderate flood risk.
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.
Wildfire risk around 2355 River Rock Dr 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 65% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.02% 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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