3538 Clearwater Ct, Merced, CA 95348 Property Records

Merced County property record for 3538 Clearwater Ct, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,060 sqft · built 2003
Lot Size	0.194 acres (8,460 sqft)
Owner	Company Name on Record
Last Sale	$495,000 (Jun 2022)
Tax Bill	$5,561 (2025)
Deeds & Mortgages	Jun 2022 Sale Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`058-411-025-000`

Property Details

APN / Parcel Number

Primary APN	`058-411-025-000`
Alternative APN	`058-411-025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,060 sqft Living Area
Gross Area	2,562 sqft
1st Floor Area	2,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	8,460 sqft (0.194 acres)
Garage Type	Attached
Garage Area	502 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	058-411-025
Street Address	3538 CLEARWATER CT
City	MERCED
State	CA
Zip	95348-9513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	FAHRENS PARK UNIT 3A LOT430
Legal Subdivision	FAHRENS PARK
Legal Lot Number	430
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2002
Census Tract	1008

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	2715 INVERNESS DR, LA JOLLA, CA 92037-2043
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Grant Deed, Transfer TRANSCOUNTY TITLE COMPANY
Mar 26, 2020	Deed of Trust, Mortgage EMBRACE HM LOANS
Sep 5, 2017	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2022 · Amount on Record
Deed Sale	Jun 22, 2022 · Amount on Record
Prior Sale	Aug 14, 2015 · Amount on Record
Deed Document Number	202223685
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jun 22, 2022
Property Address	3538 CLEARWATER CT, MERCED, CA 95348-9513
Document Number	0000023685
Map Reference	MB 56 PG 34-38
Instrument Date	Jun 1, 2022
Instrument	2022023685
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2715 INVERNESS DR, LA JOLLA, CA 92037-2043

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3538 CLEARWATER CT, MERCED, CA 95348-9513
Document Number	0000010832
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	May 4, 2020
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3538 CLEARWATER CT MERCED CA 953489513, MERCED, CA 95348-9513

Mortgage

Document Number	0000010832
Date	Mar 31, 2020
Instrument	10832

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	25 ENTERPRISE CTR, MIDDLETOWN, RI 02842-5201

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3538 CLEARWATER CT, MERCED, CA 95348-9513
Document Number	0000029402
Instrument Date	Sep 5, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3538 CLEARWATER CT MERCED CA 953489513, MERCED, CA 95348-9513

Mortgage

Document Number	0000029402
Date	Sep 11, 2017
Instrument	29402

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2047

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		$474,500 (+0.32%) Land $120,000 Building $354,500
2025	$5,561.00 (-2.58%)	$473,000 (-6.32%) Land $120,000 Building $353,000
2023	$5,708.00 (+58.47%)	$504,900 Land $107,100 Building $397,800
2022	$3,602.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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 99.8% of the US · lower than 99.8% 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 555 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
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ayera Technologies.

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