1008 Vernal Ave, Merced, CA 95340 Property Records

Merced County property record for 1008 Vernal Ave, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,976 sqft · built 1978
Lot Size	0.173 acres (7,513 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jul 2016)
Tax Bill	$3,535 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`006-363-011-000`

Property Details

APN / Parcel Number

Primary APN	`006-363-011-000`
Alternative APN	`006-363-011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
Gross Area	2,419 sqft
1st Floor Area	1,976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1979
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	7,513 sqft (0.173 acres)
Garage Type	Attached
Garage Area	443 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	25 sqft
Patio Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	006-363-011
Street Address	1008 VERNAL AVE
City	MERCED
State	CA
Zip	95340-0636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	W PK VIL #6 LOT 116
Legal Subdivision	WAINWRIGHTS PARK VILLAGE 06
Legal Lot Number	116
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4006
Census Tract	1101

Owner

1008 Vernal Ave is owned and occupied by two individuals who acquired it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1008 VERNAL AVE, MERCED, CA 95340-0636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 1, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Oct 19, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage 1ST RATE HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2016 · Amount on File
Deed Sale	Jul 15, 2016 · Amount on File
Prior Sale	Mar 20, 2012 · Amount on File
Deed Document Number	201623891
Last Transfer Date	Oct 13, 2017
Transfer Doc	0000034207
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1008 VERNAL AVE, MERCED, CA 95340-0636
Transaction Type	Mortgage
Record Updated	Jun 23, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 VERNAL AVE, MERCED, CA 95340-0636
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012108
Date	Jun 1, 2023
Instrument	2023012108

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1008 VERNAL AVE, MERCED, CA 95340-0636
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	TITLE 500 INC, TITLE 365 INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 VERNAL AVE, MERCED, CA 95340-0636

Mortgage

Document Number	0000009883
Date	Mar 4, 2021
Instrument	2021009883

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Oct 19, 2017
Property Address	1008 VERNAL AVE, MERCED, CA 95340-0636
Document Number	0000034207
Map Reference	MB 23 PG 23-27
Instrument Date	Oct 13, 2017
Instrument	2017-034207
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	NEXTITLE CALIFORNIA

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1008 VERNAL AVE, MERCED, CA 95340-0636
Investor	Possibly a Property Investor

Mortgage

Document Number	0000034208
Date	Oct 19, 2017
Instrument	2017-034208

Lender

Name	1ST RATE HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1008 Vernal Ave was $3,535 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Merced City
Elementary School District	Merced City 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		$331,454 (+2%) Land $53,266 Building $278,188
2025	$3,535.00 Homeowner's exemption	$324,956 Land $52,222 Building $272,734
2023	$3,293.00 (+1.39%) Homeowner's exemption	$312,341 Land $50,196 Building $262,145
2022	$3,248.00

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

Flood

FEMA maps place 1008 Vernal Ave 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	4 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 1008 Vernal Ave 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 94% of the US · lower than 96% 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 MERCED serves 96,073 people · EPA ID CA2410009
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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 631 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 DSL	100 / 20

May also be available: GeoLinks, Verizon.

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