6789 Cottage St, Winton, CA 95388 Property Records

Merced County property record for 6789 Cottage St, Winton, CA 95388

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 760 sqft · built 1948
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Aug 2026)
Tax Bill	$1,693 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`146-171-006-000`

Property Details

APN / Parcel Number

Primary APN	`146-171-006-000`
Alternative APN	`146-171-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	760 sqft Living Area
Gross Area	1,072 sqft
1st Floor Area	760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	146-171-006
Street Address	6789 COTTAGE ST
City	WINTON
State	CA
Zip	95388-8011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	WINTON LOT 26 BLK 10
Legal Subdivision	WINTON
Legal Block	10
Legal Lot Number	26
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	1
Census Block	1008
Census Tract	504

Owner

Source: Merced County records, as of October 13, 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	Individual Name on Record
Mailing Address	334 W F ST, TURLOCK, CA 95380-6003
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 8, 2017	Grant Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Dec 8, 2017 · Amount on Record
Deed Document Number	202623205
Prior Transfer Date	May 22, 2009
Prior Transfer Doc	0000027016
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 28, 2026
Property Address	6789 COTTAGE ST, WINTON, CA 95388-8011
Document Number	0000023205
Instrument Date	Aug 26, 2026
Instrument	202623205
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34,441.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	334 W F ST, TURLOCK, CA 95380-6003
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023206,
Date	Aug 28, 2026
Instrument	202623206

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Sep 1, 2053

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	6789 COTTAGE ST, WINTON, CA 95388
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 410, WINTON, CA 95388-0410

Mortgage

Document Number	0000003805
Date	Jan 27, 2021
Instrument	2021003805

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Dec 8, 2017
Property Address	6789 COTTAGE ST, WINTON, CA 95388
Document Number	0000041672
Map Reference	MB 5 PG 22
Instrument Date	Nov 20, 2017
Instrument	2017-041672
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6789 COTTAGE ST, WINTON, CA 95388
Investor	Possibly a Property Investor

Mortgage

Document Number	0000041673
Date	Dec 8, 2017
Instrument	2017-041673

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Secondary School District	Merced Union High School District (09 - 12)
Elementary School District	Winton School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$163,636 (+2%) Land $46,420 Building $117,216
2025	$1,693.00 (+3.99%)	$160,428 (+4.04%) Land $45,510 Building $114,918
2023	$1,628.00 (+1.37%)	$154,200 Land $43,744 Building $110,456
2022	$1,606.00

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

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTON WATER & SANITARY DIST serves 9,745 people · EPA ID CA2410010
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	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	1 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 435 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Ayera Technologies.

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