423 Cindy Dr, Atwater, CA 95301 Property Records

Merced County property record for 423 Cindy Dr, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1978
Lot Size	0.217 acres (9,460 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (May 2024)
Tax Bill	$4,026 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-152-036-000`

Property Details

APN / Parcel Number

Primary APN	`004-152-036-000`
Alternative APN	`004-152-036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area
Gross Area	2,014 sqft
1st Floor Area	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1979
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	9,460 sqft (0.217 acres)
Garage Type	Attached
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	39 sqft
Patio Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	004-152-036
Street Address	423 CINDY DR
City	ATWATER
State	CA
Zip	95301-3862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	PACEMAKER PK #2 LOT 13
Legal Subdivision	PACEMAKER PARK 02
Legal Lot Number	13
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	1
Census Block	1000
Census Tract	801

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	Individual Name on Record
Mailing Address	423 CINDY DR, ATWATER, CA 95301-3862
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Dec 7, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Aug 29, 2019	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2024 · Amount on Record
Deed Sale	May 6, 2024 · Amount on Record
Prior Sale	Aug 29, 2019 · Amount on Record
Deed Document Number	202410098
Prior Transfer Date	Apr 22, 2008
Prior Transfer Doc	0000022975
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	423 CINDY DR, ATWATER, CA 95301-3862
Transaction Type	Mortgage
Record Updated	Apr 15, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 CINDY DR, ATWATER, CA 95301-3862

Mortgage

Document Number	0000006421
Date	Mar 21, 2024
Instrument	2024006421

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Sep 1, 2049

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	423 CINDY DR, ATWATER, CA 95301-3862
Transaction Type	Mortgage
Record Updated	Jan 12, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 CINDY DR, ATWATER, CA 95301-3862

Mortgage

Document Number	0000053954
Date	Dec 7, 2021
Instrument	2021053954

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Sep 1, 2049

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 29, 2019
Property Address	423 CINDY DR, ATWATER, CA 95301-3862
Document Number	0000026871
Instrument Date	Aug 12, 2019
Instrument	26871
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1738 BEVIN BROOK DR CHICAGO PARK CA 95712, CHICAGO PARK, CA 95712

Mortgage

Document Number	26873
Date	Aug 29, 2019
Instrument	26873

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 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		$379,746 (+2%) Land $104,040 Building $275,706
2025	$4,026.00 (+30.8%)	$372,300 (+26.49%) Land $102,000 Building $270,300
2023	$3,078.00 (+1.15%) Homeowner's exemption	$294,327 Land $73,581 Building $220,746
2022	$3,043.00

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	4 in force
Nearby Flood Claims	2 (1984–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2024 · 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	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.03% 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 592 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 in parts of the area	100 / 20

May also be available: Verizon.

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