3664 Harbor Dr, Merced, CA 95340 Property Records

Merced County property record for 3664 Harbor Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,943 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Dec 2018)
Tax Bill	$6,018 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`060-600-023-000`

Property Details

APN / Parcel Number

Primary APN	`060-600-023-000`
Alternative APN	`060-600-023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,943 sqft Living Area
Gross Area	3,286 sqft
1st Floor Area	1,943 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Other
Lot Area	43,560 sqft
Garage Area	1,343 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	108 sqft
Patio Area	246 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Well

Location & Zoning

Old Parcel Number	060-600-023
Street Address	3664 HARBOR DR
City	MERCED
State	CA
Zip	95340-9354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	LAKEWOOD EST #1 LOT 5
Legal Subdivision	LAKEWOOD ESTATE
Legal Lot Number	5
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1020
Census Tract	1801

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	3664 HARBOR DR, MERCED, CA 95340-9354
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Dec 14, 2018	Grant Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on Record
Deed Sale	Dec 14, 2018 · Amount on Record
Deed Document Number	201839947
Prior Transfer Date	May 20, 2009
Prior Transfer Doc	0000027363
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3664 HARBOR DR, MERCED, CA 95340-9354
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3664 HARBOR DR, MERCED, CA 95340-9354

Mortgage

Document Number	0000002386
Date	Feb 2, 2026
Instrument	2026002386

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3664 HARBOR DR, MERCED, CA 95340-9354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008801
Date	Mar 13, 2020
Instrument	2020008801

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Dec 14, 2018
Property Address	3664 HARBOR DR, MERCED, CA 95340-9354
Document Number	0000039947
Map Reference	VOL 24 PG 31&32
Instrument Date	Dec 3, 2018
Instrument	2018039947
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	3664 HARBOR DR, MERCED, CA 95340-9354

Mortgage

Document Number	0000039948
Date	Dec 14, 2018
Instrument	2018039948

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
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		$546,152 (+2%) Land $199,117 Building $347,035
2025	$6,018.00 (+5.69%)	$535,444 (+4.04%) Land $195,213 Building $340,231
2024	$5,694.00 (+1.41%)
2023	$5,615.00 (+1.3%)	$514,654 Land $187,634 Building $327,020
2022	$5,543.00

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	7 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	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks.

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