Merced County property record for 238 Harbor Dr, Atwater, CA 95301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,010 sqft · built 1996 |
| Lot Size | 0.186 acres (8,083 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Dec 2019) |
| Tax Bill | $3,629 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-270-059-000 |
| Primary APN | 150-270-059-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,010 sqft Living Area |
| Gross Area | 2,696 sqft |
| 1st Floor Area | 2,010 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 8,083 sqft (0.186 acres) |
| Garage Type | Attached |
| Garage Area | 686 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 50 sqft |
| Patio Area | 133 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 150-270-059 |
|---|---|
| Street Address | 238 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 46 |
| Legal Subdivision | SHAF LAKES W 02 |
| Legal Lot Number | 46 |
| 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 | 238 HARBOR DR, ATWATER, CA 95301-2297 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 22, 2024 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Dec 12, 2019 | Grant Deed, Transfer · FHA Mortgage SCENIC OAKS FUNDING |
| Jun 12, 2019 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2019 · Amount on Record |
| Deed Sale | Dec 12, 2019 · Amount on Record |
| Prior Sale | Feb 10, 2011 · Amount on Record |
| Deed Document Number | 201941855 |
| Prior Transfer Date | Oct 30, 2009 |
| Prior Transfer Doc | 0000052398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 238 HARBOR DR, ATWATER, CA 95301-2297 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 238 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000006495 |
|---|---|
| Date | Mar 22, 2024 |
| Instrument | 2024006495 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Dec 12, 2019 |
| Property Address | 238 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000041855 |
| Map Reference | VOL 37 PG 38-40 |
| Instrument Date | Nov 26, 2019 |
| Instrument | 2019041855 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| 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 | 238 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000041856 |
|---|---|
| Date | Dec 12, 2019 |
| Instrument | 2019041856 |
| Name | SCENIC OAKS FUNDING |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 238 HARBOR DR, ATWATER, CA 95301-2297 |
| Document Number | 0000021665 |
| Instrument Date | Jun 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 238 HARBOR DR ATWATER CA 953012297, ATWATER, CA 95301-2297 |
| Document Number | 0000021665 |
|---|---|
| Date | Jul 19, 2019 |
| Instrument | 21665 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2049 |
| Rate | 4.62% |
|---|
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 | $340,227 (+2%) Land $83,661 Building $256,566 | |
| 2025 | $3,629.00 (+5.19%) | $333,557 (+4.04%) Land $82,021 Building $251,536 |
| 2023 | $3,450.00 (+1.08%) | $320,606 Land $78,837 Building $241,769 |
| 2022 | $3,413.00 |
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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