2447 Clover Ln, Merced, CA 95340 Property Records

Merced County property record for 2447 Clover Ln, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,251 sqft · built 1979
Lot Size	0.333 acres (14,496 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Sep 2017)
Tax Bill	$5,598 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`108-020-003-000`

Property Details

APN / Parcel Number

Primary APN	`108-020-003-000`
Alternative APNs	`108-020-003` `008252003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,251 sqft Living Area
1st Floor Area	2,251 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1986
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	14,496 sqft (0.333 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	108-020-003
Street Address	2447 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 3
Legal Subdivision	WHITEGATE ESTATE
Legal Lot Number	3
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	2 Individual Names on Record
Mailing Address	2447 CLOVER LN, MERCED, CA 95340-2703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · VA Mortgage US BANK NA
Apr 29, 2020	Deed of Trust, Mortgage · VA Mortgage US BANK NA
Sep 29, 2017	Grant Deed, Transfer · VA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Prior Sale	Jan 24, 2012 · Amount on Record
Deed Document Number	201731985
Prior Transfer Date	Jun 18, 2015
Prior Transfer Doc	0000021677
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2447 CLOVER LN, MERCED, CA 95340-2703
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2447 CLOVER LN, MERCED, CA 95340-2703

Mortgage

Document Number	0000003768
Date	Jan 24, 2022
Instrument	2022003768

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2447 CLOVER LN, MERCED, CA 95340-2703
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013814
Date	Apr 29, 2020
Instrument	2020013814

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Sep 29, 2017
Property Address	2447 CLOVER LN, MERCED, CA 95340-2703
Document Number	0000031985
Instrument Date	Sep 6, 2017
Instrument	31985
Transaction Type	Transfer
Record Updated	Oct 26, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$489.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2447 CLOVER LN MERCED CA 953402703, MERCED, CA 95340-2703

Mortgage

Document Number	31986
Date	Sep 29, 2017
Instrument	31986

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

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		$516,456 (+2%) Land $52,224 Building $464,232
2025	$5,598.00 (+7.24%) Homeowner's exemption	$506,330 (+4.04%) Land $51,200 Building $455,130
2023	$5,220.00 (+1.34%) Homeowner's exemption	$486,670 Land $49,213 Building $437,457
2022	$5,151.00

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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