840 Cedar Ave, Atwater, CA 95301 Property Records

Merced County property record for 840 Cedar Ave, Atwater, CA 95301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 940 sqft · built 1947
Lot Size	0.151 acres (6,554 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Oct 2019)
Tax Bill	$2,360 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`003-071-006-000`

Property Details

APN / Parcel Number

Primary APN	`003-071-006-000`
Alternative APN	`003-071-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
Gross Area	1,182 sqft
1st Floor Area	940 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	6,554 sqft (0.151 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	55 sqft
Patio Area	430 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	003-071-006
Street Address	840 CEDAR AVE
City	ATWATER
State	CA
Zip	95301-4043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	LDS CC MITCHELL POR LOT 1
Legal Subdivision	LDS CC MITCHELL
Legal Lot Number	1
Jurisdiction	MERCED CA
Township / Civil Division	ATWATER
Census Block Group	2
Census Block	2016
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	840 CEDAR AVE, ATWATER, CA 95301-4043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · FHA Mortgage COMMERCE HOME MORTGAGE LLC
Nov 2, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMERCE HOME MORTGAGE LLC
Oct 11, 2019	Grant Deed, Transfer · FHA Mortgage PLANET HM LNDG
Jul 17, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Deed Document Number	201932930
Prior Transfer Date	Jun 30, 2003
Prior Transfer Doc	0000041988
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	840 CEDAR AVE, ATWATER, CA 95301-4043
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 CEDAR AVE, ATWATER, CA 95301-4043

Mortgage

Document Number	0000017581
Date	Apr 20, 2021
Instrument	2021017581

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	840 CEDAR AVE, ATWATER, CA 95301-4043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 CEDAR AVE, ATWATER, CA 95301-4043

Mortgage

Document Number	0000040160
Date	Nov 2, 2020
Instrument	2020040160

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Oct 11, 2019
Property Address	840 CEDAR AVE, ATWATER, CA 95301-4043
Document Number	0000032930
Instrument Date	Oct 8, 2019
Instrument	32930
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.50
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	840 CEDAR AVE ATWATER CA 953014043, ATWATER, CA 95301-4043

Mortgage

Document Number	32931
Date	Oct 11, 2019
Instrument	32931

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

July 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MERCED CA
Recording Date	Jul 17, 2019
Property Address	840 CEDAR AVE, ATWATER, CA 95301-4043
Document Number	0000021444
Instrument Date	Jul 16, 2019
Instrument	21444
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	25258 CLEAR CREEK RD KEENE CA 935311320, KEENE, CA 93531-1320

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		$228,675 (+2%) Land $83,661 Building $145,014
2025	$2,360.00 (+5.31%) Homeowner's exemption	$224,192 (+4.04%) Land $82,021 Building $142,171
2023	$2,241.00 (+1.22%) Homeowner's exemption	$215,488 Land $78,837 Building $136,651
2022	$2,214.00

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 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	Low lower than 99.1% of the US · lower than 99.2% 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.

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 200 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
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Ayera Technologies, Verizon.

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