6178 Spring Valley Dr, Atwater, CA 95301 Property Records

Merced County property record for 6178 Spring Valley Dr, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,307 sqft · built 1998
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jul 2015)
Tax Bill	$5,909 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`207-340-001-000`

Property Details

APN / Parcel Number

Primary APN	`207-340-001-000`
Alternative APN	`207-340-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,307 sqft Living Area
Gross Area	3,200 sqft
1st Floor Area	2,307 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Tile
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	893 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	207-340-001
Street Address	6178 SPRING VALLEY DR
City	ATWATER
State	CA
Zip	95301-9455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	PLEASANT VALLEY #2 LOT 1
Legal Subdivision	PLEASANT VALLEY 02
Legal Lot Number	1
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	1
Census Block	1021
Census Tract	702

Owner

6178 Spring Valley Dr is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	6178 SPRING VALLEY DR, ATWATER, CA 95301-9455
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2015 · Amount on File
Deed Sale	Jul 30, 2015 · Amount on File
Prior Sale	Sep 26, 2013
Deed Document Number	201526553
Prior Transfer Date	Aug 12, 2013
Prior Transfer Doc	0000034705
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	6178 SPRING VALLEY DR, ATWATER, CA 95301-9455
Transaction Type	Mortgage
Record Updated	Aug 7, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6178 SPRING VALLEY DR, ATWATER, CA 95301-9455

Mortgage

Document Number	0000015778
Date	Jul 12, 2023
Instrument	2023015778

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	6178 SPRING VALLEY DR, ATWATER, CA 95301-9455
Transaction Type	Mortgage
Record Updated	Jul 10, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6178 SPRING VALLEY DR, ATWATER, CA 95301-9455

Mortgage

Document Number	0000012255
Date	Jun 2, 2023
Instrument	2023012255

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company
Address	NASHVILLE, TN 37203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 6178 Spring Valley Dr was $5,909 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Elementary School District	McSwain Union 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		$573,544 (+2%) Land $120,744 Building $452,800
2025	$5,909.00 Homeowner's exemption	$562,299 Land $118,377 Building $443,922
2023	$5,679.00 (+1.28%) Homeowner's exemption	$540,466 Land $113,781 Building $426,685
2022	$5,607.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 6178 Spring Valley Dr 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	1 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

Wildfire risk around 6178 Spring Valley Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: AT&T, Ayera Technologies.

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