3430 Wathen Ave, Merced, CA 95348 Property Records

Merced County property record for 3430 Wathen Ave, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,047 sqft · built 1976
Lot Size	0.207 acres (9,033 sqft)
Owner	Company Name on Record
Tax Bill	$1,407 (2025)
Deeds & Mortgages	Apr 2026 Reverse Mortgage Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`236-084-004-000`

Property Details

APN / Parcel Number

Primary APN	`236-084-004-000`
Alternative APN	`236-084-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,047 sqft Living Area
Gross Area	2,587 sqft
1st Floor Area	2,047 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1982
Construction Type	Wood
Roof Material	Other
Lot Area	9,033 sqft (0.207 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	99 sqft
Patio Area	418 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	236-084-004
Street Address	3430 WATHEN AVE
City	MERCED
State	CA
Zip	95348-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	PARCEL A PM 29-22 SEC 18/7/14
Legal Range	14E
Legal Township	7S
Legal Section	18
Legal Subdivision	HEADLINER HOMES 03
Legal Lot Number	74,75
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3006
Census Tract	1006

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	Company Name on Record
Mailing Address	3430 WATHEN AVE, MERCED, CA 95348-2830
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jan 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Feb 28, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 19, 2024
Transfer Doc	0000001871
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Apr 21, 2026
Property Address	3430 WATHEN AVE, MERCED, CA 95348-2830
Document Number	0000009998
Instrument Date	Apr 15, 2026
Instrument	20269998
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	3430 WATHEN AVE, MERCED, CA 95348-2830

Mortgage

Document Number	0000009998,
Date	Apr 21, 2026
Instrument	20269998

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	861 Months
Due	Jan 26, 2098

Interest

Rate	6.22%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3430 WATHEN AVE, MERCED, CA 95348-2830
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 WATHEN AVE, MERCED, CA 95348-2830

Mortgage

Document Number	0000000975
Date	Jan 14, 2026
Instrument	2026000975

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3430 WATHEN AVE, MERCED, CA 95348-2830
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 WATHEN AVE, MERCED, CA 95348-2830

Mortgage

Document Number	0000025390
Date	Sep 23, 2025
Instrument	2025025390

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Feb 28, 2022
Property Address	3430 WATHEN AVE, MERCED, CA 95348-2830
Document Number	0000008530
Map Reference	VOL 22 PG 20-23
Instrument Date	Feb 28, 2022
Instrument	2022008530
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 WATHEN AVE, MERCED, CA 95348-2830

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Merced City
Elementary School District	Merced City 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		$135,382 (+2%) Land $28,428 Building $106,954
2025	$1,407.00 (+5.87%) Homeowner's exemption	$132,728 (+4.04%) Land $27,871 Building $104,857
2024	$1,329.00 (+1.45%)
2023	$1,310.00 (+1.55%) Homeowner's exemption	$127,576 Land $26,790 Building $100,786
2022	$1,290.00

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	3 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 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 MERCED serves 96,073 people · EPA ID CA2410009
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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 490 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Ayera Technologies, GeoLinks, T-Mobile.

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