2561 Cowden Ave, Merced, CA 95348 Property Records

Merced County property record for 2561 Cowden Ave, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,053 sqft · built 1993
Lot Size	0.143 acres (6,213 sqft)
Owner	Individual Name on Record
Tax Bill	$1,460 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`057-570-067-000`

Property Details

APN / Parcel Number

Primary APN	`057-570-067-000`
Alternative APN	`057-570-067`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,053 sqft Living Area
Gross Area	1,557 sqft
1st Floor Area	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	6,213 sqft (0.143 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	057-570-067
Street Address	2561 COWDEN AVE
City	MERCED
State	CA
Zip	95348-3808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SIERRA VIEW MEAD 2 LOT 33
Legal Subdivision	SIERRA VIEW MEAD 02
Legal Lot Number	33
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2002
Census Tract	904

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	2561 COWDEN AVE, MERCED, CA 95348-3808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 2, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 2, 2019	Affidavit of Death, Transfer TRANSCOUNTY TITLE COMPANY
Jan 2, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2009
Deed Sale	Sep 14, 2009
Prior Sale	Aug 25, 2009
Deed Document Number	200944613
Last Transfer Date	Dec 27, 2018
Transfer Doc	0000000101
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Apr 24, 2026
Property Address	2561 COWDEN AVE, MERCED, CA 95348-3808
Document Number	0000010458
Instrument Date	Apr 20, 2026
Instrument	202610458
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2561 COWDEN AVE, MERCED, CA 95348-3808
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010458,
Date	Apr 24, 2026
Instrument	202610458

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2561 COWDEN AVE, MERCED, CA 95348-3808
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2561 COWDEN AVE, MERCED, CA 95348-3808

Mortgage

Document Number	0000023506
Date	Sep 2, 2025
Instrument	2025023506

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

January 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MERCED CA
Recording Date	Jan 2, 2019
Property Address	2561 COWDEN AVE, MERCED, CA 95348-3808
Document Number	0000000101
Instrument Date	Dec 27, 2018
Instrument	101
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2561 COWDEN AVE MERCED CA 953483808, MERCED, CA 95348-3808

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jan 2, 2019
Property Address	2561 COWDEN AVE, MERCED, CA 95348-3808
Document Number	0000000102
Map Reference	VOL 42 PG 5-8
Instrument Date	Dec 18, 2018
Instrument	2019000102
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2561 COWDEN AVE, MERCED, CA 95348-3808

Mortgage

Document Number	0000000103
Date	Jan 2, 2019
Instrument	2019000103

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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		$136,861 (+2%) Land $51,385 Building $85,476
2025	$1,460.00 (+7.27%) Homeowner's exemption	$134,178 (+4.04%) Land $50,378 Building $83,800
2023	$1,361.00 (-27.95%) Homeowner's exemption	$128,970 Land $48,423 Building $80,547
2022	$1,889.00

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
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
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

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

Wildfire Risk	Moderate above 47% of the US · lower than 72% of California
Wildfire Likelihood	0.1% 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	CAL AM - MEADOWBROOK private · serves 5,723 people · EPA ID CA2410008
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	6 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 304 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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