1020 W 23rd St, Merced, CA 95340 Property Records

Merced County property record for 1020 W 23rd St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,457 sqft · built 1951
Lot Size	0.254 acres (11,102 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2016)
Tax Bill	$1,904 (2025)
Deeds & Mortgages	May 2022 Mortgage Feb 2020 Mortgage
Flood Zone	Zone AO (high risk)
APN	`030-154-004-000`

Property Details

APN / Parcel Number

Primary APN	`030-154-004-000`
Alternative APN	`030154004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,457 sqft Living Area
Gross Area	1,756 sqft
1st Floor Area	1,457 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1980
Architectural Style	Other
Construction Type	Tilt-Up Concrete
Lot Area	11,102 sqft (0.254 acres)
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	128 sqft
Patio Area	464 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	030154004
Street Address	1020 W 23RD ST
City	MERCED
State	CA
Zip	95340-3517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MERCED LOTS 4-6 BLK 69
Legal Subdivision	MERCED
Legal Block	69
Legal Lot Number	4-6 5
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2017
Census Tract	1301

Owner

Source: Merced County records, as of September 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1020 W 23RD ST, MERCED, CA 95340-3517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 28, 2020	Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2016 · Amount on Record
Deed Sale	Mar 30, 2016 · Amount on Record
Prior Sale	Mar 30, 2016 · Amount on Record
Deed Document Number	0000010365
Last Transfer Date	Feb 28, 2020
Transfer Doc	0000007060
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1020 W 23RD ST, MERCED, CA 95340-3517
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 W 23RD ST, MERCED, CA 95340-3517

Mortgage

Document Number	0000019953
Date	May 23, 2022
Instrument	2022019953

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Mar 1, 2050

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Feb 28, 2020
Property Address	1020 W 23RD ST, MERCED, CA 95340-3517
Document Number	0000007060
Map Reference	MB 1 PG 12
Instrument Date	Feb 24, 2020
Instrument	2020007060
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 W 23RD ST, MERCED, CA 95340-3517

Mortgage

Document Number	0000007061
Date	Feb 28, 2020
Instrument	2020007061

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

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
2025	$1,904.00 (+7.39%) Homeowner's exemption	$177,563 (+4.04%) Land $53,268 Building $124,295
2023	$1,773.00 (+1.49%) Homeowner's exemption	$170,669 Land $51,200 Building $119,469
2022	$1,747.00

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 130 policies
Nearby Flood Policies	130 in force
Nearby Flood Claims	8 (1995–2023)
Most Recent Claim	Jul 2023 · other causes
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

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	Not rated no burnable land within 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 461 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies, GeoLinks, T-Mobile.

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