2401 Oregon Ave, Atwater, CA 95301 Property Records

Merced County property record for 2401 Oregon Ave, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,305 sqft · built 1973
Lot Size	0.202 acres (8,795 sqft)
Owner	Trust Name on File
Tax Bill	$587 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`150-041-008-000`

Property Details

APN / Parcel Number

Primary APN	`150-041-008-000`
Alternative APN	`150-041-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
Gross Area	1,775 sqft
1st Floor Area	1,305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	8,795 sqft (0.202 acres)
Garage Type	Attached
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	12 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	150-041-008
Street Address	2401 OREGON AVE
City	ATWATER
State	CA
Zip	95301-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	KINGSBURY AC LOT 32
Legal Subdivision	KINGSBURY AC
Legal Lot Number	32
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	4
Census Block	4002
Census Tract	601

Owner

2401 Oregon Ave is owner-occupied and held in a trust since November 2017.

Source: Merced County records, as of August 21, 2026

Owner of Record	Trust Name on File
Mailing Address	2401 OREGON AVE, ATWATER, CA 95301-2020
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Reverse Mortgage HIGHTECHLENDING INC
Nov 24, 2017	Deed of Trust, Mortgage FEDERAL HOUSING COMMISSIONER
Dec 7, 2017	Quit Claim Deed, Transfer FNC TITLE SERVICES, FNC TITLE SVCS
Nov 24, 2017	Deed of Trust, Mortgage · FHA Mortgage ADVISORS MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 24, 2017
Transfer Doc	0000041402
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2401 OREGON AVE, ATWATER, CA 95301-2020
Transaction Type	Mortgage
Record Updated	Apr 19, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 OREGON AVE, ATWATER, CA 95301-2020

Mortgage

Document Number	0000011572
Date	Mar 22, 2022
Instrument	2022011572

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.27%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.27%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2401 OREGON AVE, ATWATER, CA 95301-2020
Document Number	0000041404
Instrument Date	Nov 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2401 OREGON AVE ATWATER CA 953012020, ATWATER, CA 95301-2020

Mortgage

Document Number	0000041404
Date	Dec 7, 2017
Instrument	41404

Lender

Name	FEDERAL HOUSING COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.78%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Dec 7, 2017
Property Address	2401 OREGON AVE, ATWATER, CA 95301-2020
Document Number	0000041402
Instrument Date	Nov 24, 2017
Instrument	41402
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2401 OREGON AVE ATWATER CA 953012020, ATWATER, CA 95301-2020

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2401 OREGON AVE, ATWATER, CA 95301-2020
Document Number	0000041403
Instrument Date	Nov 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2401 OREGON AVE ATWATER CA 953012020, ATWATER, CA 95301-2020

Mortgage

Document Number	0000041403
Date	Dec 7, 2017
Instrument	41403

Lender

Name	ADVISORS MTG
Type	Mortgage Company
Address	OCEAN, NJ 07712

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.78%

Tax Assessment & Valuation

The 2025 property tax bill for 2401 Oregon Ave was $587 with a homeowner's exemption.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$63,305 (+7.18%) Land $14,239 Building $49,066
2025	$587.00 Homeowner's exemption	$59,064 Land $13,960 Building $45,104
2023	$556.00 (+1.65%) Homeowner's exemption	$56,772 Land $13,419 Building $43,353
2022	$547.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2401 Oregon Ave in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 2401 Oregon Ave is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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 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

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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ayera Technologies.

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