3124 Waterfall Dr, Atwater, CA 95301 Property Records

Merced County property record for 3124 Waterfall Dr, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 1996
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$122,500 (Jul 2026)
Tax Bill	$7,355 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2019 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`156-133-003-000`

Property Details

APN / Parcel Number

Primary APN	`156-133-003-000`
Alternative APN	`156-133-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,684 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	1,684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Tile
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	42 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	156-133-003
Street Address	3124 WATERFALL DR
City	ATWATER
State	CA
Zip	95301-4747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD16
Legal Description	SHAF LKS E #6 LOT 78
Legal Subdivision	SHAF LAKES E 06
Legal Lot Number	78
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	3
Census Block	3006
Census Tract	603

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	2 Individual Names on Record
Mailing Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Grant Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jul 31, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 24, 2020	Deed of Trust, Mortgage · FHA Mortgage SUPREME LNDG
Nov 1, 2018	Grant Deed, Transfer · FHA Mortgage SUPREME LNDG
Nov 1, 2018	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Nov 1, 2018	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Feb 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 27, 2017	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2026 · Amount on Record
Deed Sale	Jul 8, 2026 · Amount on Record
Prior Sale	Nov 1, 2018 · Amount on Record
Deed Document Number	202618133
Prior Transfer Date	Jul 1, 2026
Prior Transfer Doc	0000018133
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 8, 2026
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000018133
Instrument Date	Jul 1, 2026
Instrument	202618133
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE

Transaction

Amount	Amount Recorded
Tax	$13,609.75
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 WATERFALL DR, ATWATER, CA 95301-4747

Mortgage

Document Number	0000018134,
Date	Jul 8, 2026
Instrument	202618134

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023257
Date	Jul 31, 2019
Instrument	2019023257

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000025607
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	CORNERSTONE TITLE COMPANY, CORNERSTONE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3124 WATERFALL DR ATWATER CA 95301, ATWATER, CA 95301

Mortgage

Document Number	0000025607
Date	Jul 29, 2020
Instrument	25607

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Nov 1, 2018
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000034042
Instrument Date	Oct 30, 2018
Instrument	34042
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3124 WATERFALL DR ATWATER CA 953014747, ATWATER, CA 95301-4747

Mortgage

Document Number	34043
Date	Nov 1, 2018
Instrument	34043

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Nov 1, 2018
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000034041
Instrument Date	Oct 30, 2018
Instrument	34041
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3124 WATERFALL DR ATWATER CA 953014747, ATWATER, CA 95301-4747

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Nov 1, 2018
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000034040
Instrument Date	Oct 30, 2018
Instrument	34040
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3124 WATERFALL DR ATWATER CA 953014747, ATWATER, CA 95301-4747

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000006855
Instrument Date	Feb 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 28, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3124 WATERFALL DR ATWATER CA 953014747, ATWATER, CA 95301-4747

Mortgage

Document Number	0000006855
Date	Mar 9, 2018
Instrument	6855

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000029761
Instrument Date	Sep 5, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 WATERFALL DR ATWATER CA 953014747, ATWATER, CA 95301-4747

Mortgage

Document Number	0000029761
Date	Sep 14, 2017
Instrument	29761

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 13, 2032

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Feb 27, 2017
Property Address	3124 WATERFALL DR, ATWATER, CA 95301-4747
Document Number	0000006471
Instrument Date	Feb 1, 2017
Instrument	6471
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	TSI TITLE COMPANY/CA INC, TSI TITLE CO/CA INC

Transaction

Amount	Amount Recorded
Tax	$41.00
Amount Accuracy	Full Value
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3124 WATERFALL DR ATWATER CA 953014747, ATWATER, CA 95301-4747

Mortgage

Document Number	6472
Date	Feb 27, 2017
Instrument	6472

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Feb 26, 2032

Tax Assessment & Valuation

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		$295,830 (+2%) Land $62,578 Building $233,252
2025	$7,355.00 (+149.49%) Homeowner's exemption	$290,030 (+4.04%) Land $61,351 Building $228,679
2023	$2,948.00 (+1.34%) Homeowner's exemption	$278,770 Land $58,970 Building $219,800
2022	$2,909.00

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% 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	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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