Merced County property record for 2984 Cowden Ave, Merced, CA 95348
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,220 sqft · built 1989 |
| Lot Size | 0.192 acres (8,359 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Feb 2014) |
| Tax Bill | $1,842 (2025) |
| Deeds & Mortgages | Nov 2018 Loan Modification |
| Flood Zone | Zone X (moderate risk) |
| APN | 057-530-009-000 |
| Primary APN | 057-530-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,220 sqft Living Area |
| Gross Area | 1,712 sqft |
| 1st Floor Area | 1,220 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 8,359 sqft (0.192 acres) |
| Garage Type | Attached |
| Garage Area | 492 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 057-530-009 |
|---|---|
| Street Address | 2984 COWDEN AVE |
| City | MERCED |
| State | CA |
| Zip | 95348-3600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | COWDENKNOWES LOT 6 |
| Legal Subdivision | COWDENKNOWES |
| Legal Lot Number | 6 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 904 |
2984 Cowden Ave is owned and occupied by an individual who bought it in February 2014.
Source: Merced County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2984 COWDEN AVE, MERCED, CA 95348-3600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 11, 2014 · Amount on File |
| Deed Sale | Feb 11, 2014 · Amount on File |
| Deed Document Number | 20144267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 2984 COWDEN AVE, MERCED, CA 95348-3600 |
| Document Number | 0000039999 |
| Instrument Date | Nov 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Name | Verified Name |
|---|---|
| Address | 2984 COWDEN AVE MERCED CA 953483600, MERCED, CA 95348-3600 |
| Document Number | 0000039999 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 39999 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2048 |
| Rate | 4.87% |
|---|
The 2025 property tax bill for 2984 Cowden Ave was $1,842 with a homeowner's exemption.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $168,790 (+2%) Land $37,506 Building $131,284 | |
| 2025 | $1,842.00 Homeowner's exemption | $165,481 Land $36,771 Building $128,710 |
| 2023 | $2,273.00 (+34.02%) Homeowner's exemption | $159,057 Land $35,344 Building $123,713 |
| 2022 | $1,696.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2984 Cowden Ave in Zone X, an area of moderate 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 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 risk around 2984 Cowden Ave is moderate, ranking above 45% of the US, with a 0.08% 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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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