303 Cindy Dr, Atwater, CA 95301 Property Records

Merced County property record for 303 Cindy Dr, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1978
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Oct 2021)
Tax Bill	$4,130 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004-152-032-000`

Property Details

APN / Parcel Number

Primary APN	`004-152-032-000`
Alternative APN	`004-152-032`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area
Gross Area	2,014 sqft
1st Floor Area	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1979
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	39 sqft
Patio Area	123 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	004-152-032
Street Address	303 CINDY DR
City	ATWATER
State	CA
Zip	95301-3824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	PACEMAKER PK #2 LOT 17
Legal Subdivision	PACEMAKER PARK 02
Legal Lot Number	17
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	1
Census Block	1000
Census Tract	801

Owner

303 Cindy Dr is owned and occupied by two individuals who bought it in October 2021.

Source: Merced County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	303 CINDY DR, ATWATER, CA 95301-3824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Jan 18, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 6, 2021	Grant Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MORTGAGE
Jun 30, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Aug 29, 2014 · Amount on File
Deed Document Number	202144715
Prior Transfer Date	May 14, 2010
Prior Transfer Doc	0000018859
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	303 CINDY DR, ATWATER, CA 95301-3824
Transaction Type	Mortgage
Record Updated	Jan 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CINDY DR, ATWATER, CA 95301-3824

Mortgage

Document Number	0000030556
Date	Dec 5, 2023
Instrument	2023030556

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	OCALA, FL 34471

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Oct 1, 2051

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	303 CINDY DR, ATWATER, CA 95301-3824
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 CINDY DR, ATWATER, CA 95301-3824

Mortgage

Document Number	0000001161
Date	Jan 18, 2023
Instrument	2023001161

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Feb 13, 2051

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Oct 6, 2021
Property Address	303 CINDY DR, ATWATER, CA 95301-3824
Document Number	0000044715
Map Reference	VOL 23 PG 48-50
Instrument Date	Sep 30, 2021
Instrument	2021044715
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	303 CINDY DR, ATWATER, CA 95301-3824

Mortgage

Document Number	0000044716
Date	Oct 6, 2021
Instrument	2021044716

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Mortgage

Document Number	0000044717
Date	Oct 6, 2021
Instrument	2021044717

Lender

Name	NATIONAL HOMEBUYERS FUND INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95814

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2031

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	303 CINDY DR, ATWATER, CA 95301-3824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021116
Date	Jun 30, 2017
Instrument	2017-021116

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Dec 1, 2046

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	303 CINDY DR, ATWATER, CA 95301-3824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017549
Date	Jun 1, 2020
Instrument	2020017549

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 303 Cindy Dr was $4,130.

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

Property Jurisdictions

Type	Name
State	California
Municipality	Atwater City
County	Merced County
Elementary School District	Atwater 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		$389,674 (+2%) Land $92,006 Building $297,668
2025	$4,130.00	$382,034 Land $90,202 Building $291,832
2023	$3,926.00 (+1.08%)	$367,200 Land $86,700 Building $280,500
2022	$3,884.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 303 Cindy Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1984.

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	4 in force
Nearby Flood Claims	2 (1984–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2024 · rainfall accumulation

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

Wildfire risk around 303 Cindy Dr is low, with a 0.03% annual chance of 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	0.03% 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	CITY OF ATWATER serves 29,479 people · EPA ID CA2410001
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 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 592 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
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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