2669 Cowden Ave, Merced, CA 95348 Property Records

Merced County property record for 2669 Cowden Ave, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,053 sqft · built 1993
Lot Size	0.138 acres (6,002 sqft)
Owner	Individual Name on Record
Tax Bill	$1,154 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`057-570-059-000`

Property Details

APN / Parcel Number

Primary APN	`057-570-059-000`
Alternative APN	`057-570-059`

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	6,002 sqft (0.138 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	21 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	057-570-059
Street Address	2669 COWDEN AVE
City	MERCED
State	CA
Zip	95348-3809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SIERRA VIEW MEAD 3 LOT 57
Legal Subdivision	SIERRA VIEW MEAD 03
Legal Lot Number	57
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	2669 COWDEN AVE, MERCED, CA 95348-3809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jul 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Aug 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Jun 7, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2012
Deed Sale	Jun 8, 2012
Prior Sale	Sep 7, 2011 · Amount on Record
Deed Document Number	201220296
Last Transfer Date	Aug 23, 2021
Transfer Doc	0000038301
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2669 COWDEN AVE, MERCED, CA 95348-3809
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2669 COWDEN AVE, MERCED, CA 95348-3809

Mortgage

Document Number	0000003327
Date	Feb 11, 2026
Instrument	2026003327

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2669 COWDEN AVE, MERCED, CA 95348-3809
Transaction Type	Mortgage
Record Updated	Aug 21, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2669 COWDEN AVE, MERCED, CA 95348-3809

Mortgage

Document Number	0000016080
Date	Jul 14, 2023
Instrument	2023016080

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Aug 27, 2021
Property Address	2669 COWDEN AVE, MERCED, CA 95348-3809
Document Number	0000038301
Map Reference	VOL 42 PG 5-8
Instrument Date	Aug 23, 2021
Instrument	2021038301
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	2669 COWDEN AVE, MERCED, CA 95348-3809

Mortgage

Document Number	0000038302
Date	Aug 27, 2021
Instrument	2021038302

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jun 7, 2017
Property Address	2669 COWDEN AVE, MERCED, CA 95348-3809
Document Number	0000017940
Map Reference	VOL 42 PG 5-8
Instrument Date	Jun 6, 2017
Instrument	2017-017940
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2669 COWDEN AVE, MERCED, CA 95348-3809

Mortgage

Document Number	0000017941
Date	Jun 7, 2017
Instrument	2017-017941

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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		$108,759 (+2%) Land $14,086 Building $94,673
2025	$1,154.00 (+7.15%) Homeowner's exemption	$106,627 (+4.04%) Land $13,810 Building $92,817
2023	$1,077.00 (+1.6%) Homeowner's exemption	$102,489 Land $13,275 Building $89,214
2022	$1,060.00

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
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	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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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