3435 Suzanne Ct, Atwater, CA 95301 Property Records

Merced County property record for 3435 Suzanne Ct, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,425 sqft · built 1984
Lot Size	0.16 acres (6,986 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Nov 2025)
Tax Bill	$4,038 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Nov 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`150-042-014-000`

Property Details

APN / Parcel Number

Primary APN	`150-042-014-000`
Alternative APN	`150-042-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,425 sqft Living Area
Gross Area	2,001 sqft
1st Floor Area	1,425 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1986
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,986 sqft (0.16 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	150-042-014
Street Address	3435 SUZANNE CT
City	ATWATER
State	CA
Zip	95301-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	VIL WOODS #2 UNIT 2 LOT 122
Legal Subdivision	VIL WOODS 02
Legal Lot Number	122
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	4
Census Block	4003
Census Tract	601

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	3435 SUZANNE CT, ATWATER, CA 95301-2061
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 10, 2025	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Sep 14, 2022	Grant Deed, Transfer · FHA Mortgage OPEN MORTGAGE LLC
Apr 16, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 21, 2019	Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Sep 14, 2022 · Amount on Record
Deed Document Number	202532392
Prior Transfer Date	Jan 24, 2005
Prior Transfer Doc	0000007564
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3435 SUZANNE CT, ATWATER, CA 95301-2061
Transaction Type	Mortgage
Record Updated	Dec 5, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 SUZANNE CT, ATWATER, CA 95301-2061

Mortgage

Document Number	0000015440
Date	Jul 3, 2024
Instrument	2024015440

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Oct 1, 2052

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Nov 10, 2025
Property Address	3435 SUZANNE CT, ATWATER, CA 95301-2061
Document Number	0000032392
Map Reference	MB 2440 PG 841
Instrument Date	Nov 4, 2025
Instrument	2025032392
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	3435 SUZANNE CT, ATWATER, CA 95301-2061

Mortgage

Document Number	0000032393
Date	Nov 10, 2025
Instrument	2025032393

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Sep 14, 2022
Property Address	3435 SUZANNE CT, ATWATER, CA 95301-2061
Document Number	0000032482
Map Reference	MB 26 PG 29-31
Instrument Date	Aug 25, 2022
Instrument	2022032482
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	3435 SUZANNE CT, ATWATER, CA 95301-2061

Mortgage

Document Number	0000032483
Date	Sep 14, 2022
Instrument	2022032483

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3435 SUZANNE CT, ATWATER, CA 95301-2061
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012373
Date	Apr 16, 2020
Instrument	2020012373

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jun 21, 2019
Property Address	3435 SUZANNE CT, ATWATER, CA 95301-2061
Document Number	0000018385
Map Reference	MB 26 PG 29-31
Instrument Date	Jun 13, 2019
Instrument	2019018385
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	3435 SUZANNE CT, ATWATER, CA 95301-2061

Mortgage

Document Number	0000018386
Date	Jun 21, 2019
Instrument	2019018386

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

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		$375,000 (+0.41%) Land $100,000 Building $275,000
2025	$4,038.00 (+7.88%)	$373,451 (+6.7%) Land $98,838 Building $274,613
2023	$3,743.00 (+34.4%)	$350,000 Land $95,000 Building $255,000
2022	$2,785.00

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	1 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 96% of the US · lower than 97.4% 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 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: unWired Broadband.

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