398 Cedar Ave, Atwater, CA 95301 Property Records

Merced County property record for 398 Cedar Ave, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,980 sqft · built 1950
Lot Size	0.215 acres (9,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (May 2023)
Tax Bill	$4,497 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003-091-001-000`

Property Details

APN / Parcel Number

Primary APN	`003-091-001-000`
Alternative APN	`003-091-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	1,980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1964
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	9,370 sqft (0.215 acres)
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	003-091-001
Street Address	398 CEDAR AVE
City	ATWATER
State	CA
Zip	95301-4414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	CASTLE PK AC LOT 4 BLK 10
Legal Subdivision	CASTLE PARK AC
Legal Block	10
Legal Lot Number	4
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	2
Census Block	2036
Census Tract	701

Owner

Source: Merced County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	398 CEDAR AVE, ATWATER, CA 95301-4414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Grant Deed, Transfer · FHA Mortgage SYNERGY ONE LENDING
Mar 18, 2019	Intrafamily Transfer, Transfer · FHA Mortgage PARAMOUNT EQUITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	Mar 18, 2019
Deed Document Number	202311985
Prior Transfer Date	Mar 11, 2019
Prior Transfer Doc	0000007635
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	May 31, 2023
Property Address	398 CEDAR AVE, ATWATER, CA 95301-4414
Document Number	0000011985
Map Reference	MB 11 PG 7
Instrument Date	May 9, 2023
Instrument	2023011985
Transaction Type	Transfer
Record Updated	Jun 23, 2023
Title Company	DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
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	398 CEDAR AVE, ATWATER, CA 95301-4414

Mortgage

Document Number	0000011986
Date	May 31, 2023
Instrument	2023011986

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Mortgage

Document Number	0000011987
Date	May 31, 2023
Instrument	2023011987

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Jul 23, 2053

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Mar 18, 2019
Property Address	398 CEDAR AVE, ATWATER, CA 95301-4414
Document Number	0000007635
Map Reference	MB 11 PG 7
Instrument Date	Mar 11, 2019
Instrument	2019007635
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	PLACER TITLE COMPANY

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	398 CEDAR AVE, ATWATER, CA 95301-4414

Mortgage

Document Number	0000007636
Date	Mar 18, 2019
Instrument	2019007636

Lender

Name	PARAMOUNT EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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		$387,000 (-7.01%) Land $120,000 Building $267,000
2025	$4,497.00 (+230.91%)	$416,160 (+231.79%) Land $98,838 Building $317,322
2023	$1,359.00 (+1.19%)	$125,427 Land $13,275 Building $112,152
2022	$1,343.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 Claims	1 (1980)
Most Recent Claim	Feb 1980 · rainfall accumulation

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	Not rated no burnable land within 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 605 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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