2446 Clover Ln, Merced, CA 95340 Property Records

Merced County property record for 2446 Clover Ln, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,538 sqft · built 1979
Lot Size	0.332 acres (14,479 sqft)
Owner	Individual Name on Record
Tax Bill	$3,494 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`108-020-007-000`

Property Details

APN / Parcel Number

Primary APN	`108-020-007-000`
Alternative APNs	`108-020-007` `008252007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,538 sqft Living Area
1st Floor Area	2,538 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	14,479 sqft (0.332 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	403 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	108-020-007
Street Address	2446 CLOVER LN
City	MERCED
State	CA
Zip	95340-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	WHITEGATE EST #1 LOT 7
Legal Subdivision	WHITEGATE ESTATE
Legal Lot Number	7
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4021
Census Tract	1200

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	Individual Name on Record
Mailing Address	2446 CLOVER LN, MERCED, CA 95340-2703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 3, 1997
Transfer Doc	0000007431
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Aug 3, 2026
Property Address	2446 CLOVER LN, MERCED, CA 95340-2703
Document Number	0000020718
Instrument Date	Jul 29, 2026
Instrument	202620718
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	2446 CLOVER LN, MERCED, CA 95340-2703

Mortgage

Document Number	0000020718,
Date	Aug 3, 2026
Instrument	202620718

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2446 CLOVER LN, MERCED, CA 95340-2703
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2446 CLOVER LN, MERCED, CA 95340-2703

Mortgage

Document Number	0000001562
Date	Jan 5, 2022
Instrument	2022001562

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
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		$322,652 (+2%) Land $89,187 Building $233,465
2025	$3,494.00 (+7.21%) Homeowner's exemption	$316,327 (+4.04%) Land $87,439 Building $228,888
2023	$3,259.00 (+1.37%) Homeowner's exemption	$304,045 Land $84,045 Building $220,000
2022	$3,215.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.2% 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 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 360 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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