Merced County property record for 3391 Harbor Dr, Atwater, CA 95301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,536 sqft · built 1989 |
| Lot Size | 0.14 acres (6,114 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Jan 2022) |
| Tax Bill | $4,320 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-280-009-000 |
| Primary APN | 150-280-009-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,966 sqft |
| 1st Floor Area | 1,536 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,114 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 28 sqft |
| Patio Area | 251 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 150-280-009 |
|---|---|
| Street Address | 3391 HARBOR DR |
| City | ATWATER |
| State | CA |
| Zip | 95301-4704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD16 |
| Legal Description | SHAF LKS W #1 LOT 24 |
| Legal Subdivision | SHAF LAKES W 01 |
| Legal Lot Number | 24 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | ATWATER |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 603 |
3391 Harbor Dr is owned and occupied by two individuals who bought it in January 2022.
Source: Merced County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 11, 2022 | Grant Deed, Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC |
| Aug 27, 2020 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 17, 2019 | Quit Claim Deed, Transfer CYPRESS TITLE COMPANY, CYPRESS TITLE CO |
| Apr 16, 2019 | Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| May 31, 2018 | Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2022 · Amount on File |
| Deed Sale | Jan 11, 2022 · Amount on File |
| Prior Sale | Aug 27, 2020 · Amount on File |
| Deed Document Number | 20222319 |
| Prior Transfer Date | Apr 15, 2019 |
| Prior Transfer Doc | 0000010883 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jan 11, 2022 |
| Property Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000002319 |
| Map Reference | VOL 32 PG 46-50 |
| Instrument Date | Jan 2, 2022 |
| Instrument | 2022002319 |
| Transaction Type | Transfer |
| Record Updated | Feb 4, 2022 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000002320 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 2022002320 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Aug 27, 2020 |
| Property Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000029831 |
| Map Reference | VOL 32 PG 46-50 |
| Instrument Date | Aug 20, 2020 |
| Instrument | 2020029831 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | NORTH AMERICAN TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000029832 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 2020029832 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Apr 17, 2019 |
| Property Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000010883 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 10883 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2019 |
| Title Company | CYPRESS TITLE COMPANY, CYPRESS TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 19157 AVENUE 23 CHOWCHILLA CA 936109633, CHOWCHILLA, CA 93610-9633 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Apr 16, 2019 |
| Property Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000010659 |
| Map Reference | VOL 32 PG 46-50 |
| Instrument Date | Apr 9, 2019 |
| Instrument | 2019010659 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CYPRESS TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 19157 AVENUE 23, CHOWCHILLA, CA 93610-9633 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010660 |
|---|---|
| Date | Apr 16, 2019 |
| Instrument | 2019010660 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | May 31, 2018 |
| Property Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000016325 |
| Map Reference | VOL 32 PG 46-50 |
| Instrument Date | May 23, 2018 |
| Instrument | 2018016325 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3391 HARBOR DR, ATWATER, CA 95301-4704 |
| Document Number | 0000016326 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 2018016326 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 3391 Harbor Dr was $4,320 with a veteran's exemption, up 2.4% from the year before.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $405,911 (+2%) Land $92,006 Building $313,905 | |
| 2025 | $4,320.00 (+2.44%) | $397,952 Land $90,202 Building $307,750 |
| 2024 | $4,217.00 (+9.9%) | |
| 2023 | $3,837.00 (+21.42%) | $357,000 Land $95,000 Building $262,000 |
| 2022 | $3,160.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3391 Harbor Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 4, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3391 Harbor 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 64% of the US · lower than 79% 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.
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 |
| 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 509 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 |
| AT&T DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures