104 W 22nd St, Merced, CA 95340 Property Records

Merced County property record for 104 W 22nd St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,760 sqft · built 1939
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Tax Bill	$2,244 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone AO (high risk)
APN	`030-291-008-000`

Property Details

APN / Parcel Number

Primary APN	`030-291-008-000`
Alternative APN	`030-291-008`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,760 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	30 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	030-291-008
Street Address	104 W 22ND ST
City	MERCED
State	CA
Zip	95340-3822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	MERCED LOTS 1&2 BLK 85
Legal Subdivision	MERCED
Legal Block	85
Legal Lot Number	1,2
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2023
Census Tract	1302

Owner

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

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	104 W 22ND ST, MERCED, CA 95340-3822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
May 30, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2015
Deed Sale	Aug 19, 2015
Prior Sale	Oct 11, 2013 · Amount on Record
Deed Document Number	201529277
Prior Transfer Date	Feb 25, 2013
Prior Transfer Doc	0000008435
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Jun 12, 2026
Property Address	104 W 22ND ST, MERCED, CA 95340-3822
Document Number	0000015988
Instrument Date	Jun 8, 2026
Instrument	202615988
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 W 22ND ST, MERCED, CA 95340-3822

Mortgage

Document Number	0000015988,
Date	Jun 12, 2026
Instrument	202615988

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	104 W 22ND ST, MERCED, CA 95340-3822
Transaction Type	Mortgage
Record Updated	Jun 23, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 W 22ND ST, MERCED, CA 95340-3822

Mortgage

Document Number	0000011881
Date	May 30, 2023
Instrument	2023011881

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 29, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	104 W 22ND ST, MERCED, CA 95340-3822
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 W 22ND ST, MERCED, CA 95340-3822

Mortgage

Document Number	0000051024
Date	Nov 16, 2021
Instrument	2021051024

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

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		$212,550 (+2%) Land $18,749 Building $193,801
2025	$2,244.00 (+7.37%) Homeowner's exemption	$208,383 (+4.04%) Land $18,382 Building $190,001
2023	$2,090.00 (+1.46%) Homeowner's exemption	$200,293 Land $17,669 Building $182,624
2022	$2,060.00

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 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 552 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

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

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