3053 Waterfall Dr, Atwater, CA 95301 Property Records

Merced County property record for 3053 Waterfall Dr, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1996
Lot Size	0.133 acres (5,810 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Oct 2021)
Tax Bill	$4,451 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`156-132-015-000`

Property Details

APN / Parcel Number

Primary APN	`156-132-015-000`
Alternative APN	`156-132-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	2,005 sqft
1st Floor Area	1,580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Tile
Lot Area	5,810 sqft (0.133 acres)
Garage Type	Attached
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	63 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	156-132-015
Street Address	3053 WATERFALL DR
City	ATWATER
State	CA
Zip	95301-4748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD16
Legal Description	SHAF LKS E #6 LOT 64
Legal Subdivision	SHAF LAKES E 06
Legal Lot Number	64
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	3
Census Block	3004
Census Tract	603

Owner

3053 Waterfall Dr is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3053 WATERFALL DR, ATWATER, CA 95301-4748
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · Commercial Mortgage GOLDEN EMPIRE MORTGAGE INC
Oct 13, 2021	Grant Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Jun 11, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 1, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Nov 1, 2019	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2021 · Amount on File
Deed Sale	Oct 13, 2021 · Amount on File
Prior Sale	Nov 1, 2019 · Amount on File
Deed Document Number	202145966
Prior Transfer Date	Oct 31, 2019
Prior Transfer Doc	0000035894
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3053 WATERFALL DR, ATWATER, CA 95301-4748
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3053 WATERFALL DR, ATWATER, CA 95301-4748

Mortgage

Document Number	0000045969
Date	Oct 13, 2021
Instrument	2021045969

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Oct 13, 2021
Property Address	3053 WATERFALL DR, ATWATER, CA 95301-4748
Document Number	0000045966
Map Reference	MB 44 PG 13-15
Instrument Date	Oct 5, 2021
Instrument	2021045966
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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
Address	3053 WATERFALL DR, ATWATER, CA 95301-4748

Mortgage

Document Number	0000045967
Date	Oct 13, 2021
Instrument	2021045967

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0000045968
Date	Oct 13, 2021
Instrument	2021045968

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3053 WATERFALL DR, ATWATER, CA 95301-4748
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 MANZANITA DR, ATWATER, CA 95301-2263

Mortgage

Document Number	0000026231
Date	Jun 11, 2021
Instrument	2021026231

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Nov 1, 2019
Property Address	3053 WATERFALL DR, ATWATER, CA 95301-4748
Document Number	0000035894
Instrument Date	Oct 31, 2019
Instrument	35894
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3053 WATERFALL DR ATWATER CA 953014748, ATWATER, CA 95301-4748

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Nov 1, 2019
Property Address	3053 WATERFALL DR, ATWATER, CA 95301-4748
Document Number	0000035895
Map Reference	MB 44 PG 13-15
Instrument Date	Oct 23, 2019
Instrument	2019035895
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	3053 WATERFALL DR, ATWATER, CA 95301-4748

Mortgage

Document Number	0000035896
Date	Nov 1, 2019
Instrument	2019035896

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3053 Waterfall Dr was $4,451.

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		$416,735 (+2%) Land $92,006 Building $324,729
2025	$4,451.00	$408,564 Land $90,202 Building $318,362
2023	$4,232.00 (+1.2%)	$392,700 Land $86,700 Building $306,000
2022	$4,182.00

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

Flood

FEMA maps place 3053 Waterfall Dr in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 3053 Waterfall Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.01% 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 386 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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