1023 Cardinal Dr, Merced, CA 95340 Property Records

Merced County property record for 1023 Cardinal Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,724 sqft · built 1994
Lot Size	0.158 acres (6,892 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Aug 2021)
Tax Bill	$4,883 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`231-151-001-000`

Property Details

APN / Parcel Number

Primary APN	`231-151-001-000`
Alternative APN	`231151001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,724 sqft Living Area
Gross Area	2,175 sqft
1st Floor Area	1,724 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Other
Construction Type	Wood Frame
Lot Area	6,892 sqft (0.158 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Patio Area	87 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	231151001
Street Address	1023 CARDINAL DR
City	MERCED
State	CA
Zip	95340-8326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	YOS MEADOWS #2 LOT 21
Legal Subdivision	YOSEMITE MEADOWS 02
Legal Lot Number	21
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1038
Census Tract	1801

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
Co-owner	Co-owner on Record
Mailing Address	1023 CARDINAL DR, MERCED, CA 95340-8326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Grant Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Sep 29, 2017	Grant Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2021039017
Record Updated	Jun 8, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 31, 2021
Property Address	1023 CARDINAL DR, MERCED, CA 95340-8326
Document Number	0000039017
Map Reference	VOL 42 PG 9&10
Instrument Date	Aug 30, 2021
Instrument	2021039017
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	FIRSTAMERICAN 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	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1023 CARDINAL DR, MERCED, CA 95340-8326

Mortgage

Document Number	0000039018
Date	Aug 31, 2021
Instrument	2021039018

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1023 CARDINAL DR, MERCED, CA 95340-8326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023602
Date	Jul 15, 2020
Instrument	2020023602

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Sep 29, 2017
Property Address	1023 CARDINAL DR, MERCED, CA 95340-8326
Document Number	0000031791
Map Reference	VOL 42 PG 9&10
Instrument Date	Sep 19, 2017
Instrument	2017-031791
Transaction Type	Transfer
Record Updated	Jul 27, 2021
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	1023 CARDINAL DR, MERCED, CA 95340-8326

Mortgage

Document Number	0000031792
Date	Sep 29, 2017
Instrument	2017-031792

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$4,883.00 (+7.27%)	$424,482 (+4.04%) Land $90,202 Building $334,280
2023	$4,552.00 (+1.45%)	$408,000 Land $86,700 Building $321,300
2022	$4,487.00

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 Policies	7 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

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	0.01% 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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