Merced County property record for 3788 Whitewater Way, Merced, CA 95340
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,030 sqft · built 2020 |
| Lot Size | 0.171 acres (7,450 sqft) |
| Owner | Company Name on File |
| Last Sale | $304,000 (Mar 2020) |
| Tax Bill | $8,918 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2020 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 008-422-013-000 |
| Primary APN | 008-422-013-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| 1st Floor Area | 2,030 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Wood |
| Lot Area | 7,450 sqft (0.171 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 246 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 008-422-013 |
|---|---|
| Street Address | 3788 WHITEWATER WAY |
| City | MERCED |
| State | CA |
| Zip | 95340-5556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RPD |
| Legal Description | MORAGA OF MERCED UNIT NO 1 LOT 214 |
| Legal Subdivision | MORAGA OF MERCED |
| Legal Lot Number | 214 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 2602 |
3788 Whitewater Way is owned by a company that acquired it in December 2024.
Source: Merced County records, as of August 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2108 N ST, SACRAMENTO, CA 95816-5712 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 20, 2020 | Quit Claim Deed, Transfer CALATLANTIC TITLE INC |
| Mar 20, 2020 | Quit Claim Deed, Transfer CALATLANTIC TITLE INC |
| Mar 20, 2020 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Sep 1, 2017 | Grant Deed, Transfer NORTH AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on File |
| Deed Sale | Mar 20, 2020 · Amount on File |
| Deed Document Number | 20209672 |
| Last Transfer Date | Dec 11, 2024 |
| Transfer Doc | 0000030736 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 3788 WHITEWATER WAY, MERCED, CA 95340-5556 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3351 BRAMANTE LN, DUBLIN, CA 94568-2571 |
| Document Number | 0000048918 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 2021048918 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 20, 2020 |
| Property Address | 3788 WHITEWATER WAY, MERCED, CA 95340-5556 |
| Document Number | 0000009669 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 9669 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2020 |
| Title Company | CALATLANTIC TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2965 VITTORIA LOOP DUBLIN CA 945682575, DUBLIN, CA 94568-2575 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 20, 2020 |
| Property Address | 3788 WHITEWATER WAY, MERCED, CA 95340-5556 |
| Document Number | 0000009671 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 9671 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2020 |
| Title Company | CALATLANTIC TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 2965 VITTORIA LOOP DUBLIN CA 945682575, DUBLIN, CA 94568-2575 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 20, 2020 |
| Property Address | 3788 WHITEWATER WAY, MERCED, CA 95340-5556 |
| Document Number | 0000009672 |
| Map Reference | VOL 72 PG 45-56 |
| Instrument Date | Mar 1, 2020 |
| Instrument | 2020009672 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2965 VITTORIA LOOP, DUBLIN, CA 94568-2575 |
| Document Number | 0000009673 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 2020009673 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Sep 1, 2017 |
| Property Address | 3788 WHITEWATER WAY, MERCED, CA 95340-5556 |
| Document Number | 0000028551 |
| Instrument Date | Aug 23, 2017 |
| Instrument | 28551 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2017 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $7,669.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8080 N PALM AVE #110 FRESNO CA 937115797, 110, FRESNO, CA 93711-5797 |
The 2025 property tax bill for 3788 Whitewater Way was $8,918, up 28.9% from the year before.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $499,800 (+2%) Land $122,400 Building $377,400 | |
| 2025 | $8,918.00 (+28.95%) | $490,000 Land $120,000 Building $370,000 |
| 2024 | $6,916.00 (+1.01%) | |
| 2023 | $6,847.00 (+1.92%) | $315,350 Land $84,092 Building $231,258 |
| 2022 | $6,718.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3788 Whitewater Way in Zone X, an area of minimal flood risk.
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 | 6 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 risk around 3788 Whitewater Way is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 620 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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