343 Silva Dr, Atwater, CA 95301 Property Records

Merced County property record for 343 Silva Dr, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,852 sqft · built 2004
Lot Size	0.138 acres (6,001 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Sep 2025)
Tax Bill	$4,218 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-371-002-000`

Property Details

APN / Parcel Number

Primary APN	`004-371-002-000`
Alternative APN	`004-371-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,852 sqft Living Area
Gross Area	2,268 sqft
1st Floor Area	1,852 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,001 sqft (0.138 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	004-371-002
Street Address	343 SILVA DR
City	ATWATER
State	CA
Zip	95301-4285
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD17
Legal Description	SILVA RANCH UNIT #2 LOT 81
Legal Subdivision	SILVA RANCH
Legal Lot Number	81
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	1
Census Block	1012
Census Tract	802

Owner

343 Silva Dr is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	343 SILVA DR, ATWATER, CA 95301-4285
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Sep 12, 2025	Grant Deed, Transfer · FHA Mortgage SYNERGY ONE LENDING INC
Feb 24, 2023	Grant Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Mar 14, 2019	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on File
Deed Sale	Sep 12, 2025 · Amount on File
Prior Sale	Feb 24, 2023 · Amount on File
Deed Document Number	202524390
Prior Transfer Date	Sep 5, 2008
Prior Transfer Doc	0000049309
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Sep 12, 2025
Property Address	343 SILVA DR, ATWATER, CA 95301-4285
Document Number	0000024390
Map Reference	MB 60 PG 36
Instrument Date	Aug 19, 2025
Instrument	2025024390
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	FIDELITY NATL 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
Address	343 SILVA DR, ATWATER, CA 95301-4285

Mortgage

Document Number	0000024391
Date	Sep 12, 2025
Instrument	2025024391

Lender

Name	SYNERGY ONE LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0000024392
Date	Sep 12, 2025
Instrument	2025024392

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	362 Months
Due	Nov 3, 2055

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 24, 2023
Property Address	343 SILVA DR, ATWATER, CA 95301-4285
Document Number	0000004245
Map Reference	MB 60 PG 36-40
Instrument Date	Jan 19, 2023
Instrument	2023004245
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

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	343 SILVA DR, ATWATER, CA 95301-4285

Mortgage

Document Number	0000004246
Date	Feb 24, 2023
Instrument	2023004246

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	343 SILVA DR, ATWATER, CA 95301-4285
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007168
Date	Mar 14, 2019
Instrument	2019007168

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	343 SILVA DR, ATWATER, CA 95301-4285
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020285
Date	Jun 23, 2020
Instrument	2020020285

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 343 Silva Dr was $4,218, up 3.2% from the year before.

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		$435,000 (+11.5%) Land $100,000 Building $335,000
2025	$4,218.00 (+3.15%) Homeowner's exemption	$390,150 Land $98,838 Building $291,312
2024	$4,089.00 (+96.02%)
2023	$2,086.00 (+3.37%) Homeowner's exemption	$198,028 Land $49,504 Building $148,524
2022	$2,018.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 343 Silva 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

Wildfire risk around 343 Silva Dr is low, with less than 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 458 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, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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