Merced County property record for 654 Pebble Beach Dr, Atwater, CA 95301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 900 sqft · built 1994 |
| Lot Size | 0.119 acres (5,169 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $126,000 (Jan 2014) |
| Tax Bill | $1,895 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-223-012-000 |
| Primary APN | 004-223-012-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| Gross Area | 1,300 sqft |
| 1st Floor Area | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 5,169 sqft (0.119 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 32 sqft |
| Patio Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 004-223-012 |
|---|---|
| Street Address | 654 PEBBLE BEACH DR |
| City | ATWATER |
| State | CA |
| Zip | 95301-4568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD17 |
| Legal Description | PAJARO DUNES SUB LOT 47 |
| Legal Subdivision | PAJARO DUNES SUB |
| Legal Lot Number | 47 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | ATWATER |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 802 |
654 Pebble Beach Dr is owned and occupied by two individuals who bought it in January 2014.
Source: Merced County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 PEBBLE BEACH DR, ATWATER, CA 95301-4568 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2014 · Amount on File |
| Deed Sale | Jan 24, 2014 · Amount on File |
| Deed Document Number | 20142474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 654 PEBBLE BEACH DR, ATWATER, CA 95301-4568 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 654 PEBBLE BEACH DR, ATWATER, CA 95301-4568 |
| Document Number | 0000005971 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 2026005971 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2025 property tax bill for 654 Pebble Beach Dr was $1,895, up 11.9% from the year before.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $172,836 (+2%) Land $37,506 Building $135,330 | |
| 2025 | $1,895.00 (+11.87%) | $169,448 Land $36,771 Building $132,677 |
| 2024 | $1,694.00 (+2.6%) | |
| 2023 | $1,651.00 (+1.1%) | $148,452 Land $35,344 Building $113,108 |
| 2022 | $1,633.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 654 Pebble Beach Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 4, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 654 Pebble Beach Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 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 |
| 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 458 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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