2356 River Rock Dr, Merced, CA 95340 Property Records

Merced County property record for 2356 River Rock Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,234 sqft · built 2006
Lot Size	0.183 acres (7,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Aug 2021)
Tax Bill	$7,447 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`008-402-013-000`

Property Details

APN / Parcel Number

Primary APN	`008-402-013-000`
Alternative APN	`008-402-013`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,234 sqft Living Area
Gross Area	633 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Wood
Lot Area	7,980 sqft (0.183 acres)
Garage Type	Attached
Garage Area	633 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	008-402-013
Street Address	2356 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 65
Legal Subdivision	SUMMER CREEK PH 01
Legal Lot Number	65
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3011
Census Tract	2602

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	2356 RIVER ROCK DR, MERCED, CA 95340-8215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Nov 13, 2009 · Amount on Record
Deed Document Number	202135652
Record Updated	Oct 29, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 12, 2021
Property Address	2356 RIVER ROCK DR, MERCED, CA 95340-8215
Document Number	0000035652
Map Reference	MB 62 PG 43-47
Instrument Date	Aug 2, 2021
Instrument	2021035652
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2356 RIVER ROCK DR, MERCED, CA 95340-8215

Mortgage

Document Number	0000035653
Date	Aug 12, 2021
Instrument	2021035653

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2026
Change Frequency	6 Months
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	Other
Max Rate	9.75%

Tax Assessment & Valuation

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$584,511 (+2%) Land $92,006 Building $492,505
2025	$7,447.00 (+7.04%)	$573,051 (+4.04%) Land $90,202 Building $482,849
2023	$6,957.00 (+1.89%)	$550,800 Land $86,700 Building $464,100
2022	$6,828.00

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 · 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

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.

Drinking Water

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

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 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