1045 W 22nd St, Merced, CA 95340 Property Records

Merced County property record for 1045 W 22nd St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,277 sqft · built 1939
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$156,000 (Oct 2016)
Tax Bill	$1,942 (2025)
Deeds & Mortgages	Nov 2022 Transfer Aug 2021 Mortgage + 3 more
Flood Zone	Zone AO (high risk)
APN	`030-154-011-000`

Property Details

APN / Parcel Number

Primary APN	`030-154-011-000`
Alternative APN	`030-154-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,277 sqft Living Area
Gross Area	1,529 sqft
1st Floor Area	1,277 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	71 sqft
Patio Area	71 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	030-154-011
Street Address	1045 W 22ND ST
City	MERCED
State	CA
Zip	95340-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	MERCED LOTS 21&22 BLK 69
Legal Subdivision	MERCED
Legal Block	69
Legal Lot Number	21,22
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2017
Census Tract	1301

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	Company Name on Record
Mailing Address	1045 W 22ND ST, MERCED, CA 95340-3512
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2022	Intrafamily Transfer, Transfer
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jun 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2016 · Amount on Record
Deed Sale	Oct 31, 2016 · Amount on Record
Prior Sale	Feb 4, 2011 · Amount on Record
Deed Document Number	201637479
Last Transfer Date	Jan 1, 2018
Transfer Doc	0000037903
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Nov 8, 2022
Property Address	1045 W 22ND ST, MERCED, CA 95340-3512
Document Number	0000037903
Map Reference	VOL 2 PG 12
Instrument Date	Nov 5, 2022
Instrument	2022037903
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 W 22ND ST, 1045, MERCED, CA 95340-3512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 W 22ND ST, MERCED, CA 95340-3512

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1045 W 22ND ST, MERCED, CA 95340-3512
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 W 22ND ST, MERCED, CA 95340-3512

Mortgage

Document Number	0000037844
Date	Aug 26, 2021
Instrument	2021037844

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1045 W 22ND ST, MERCED, CA 95340-3512
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 W 22ND ST, MERCED, CA 95340-3512

Mortgage

Document Number	0000024912
Date	Jun 3, 2021
Instrument	2021024912

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1045 W 22ND ST, MERCED, CA 95340-3512
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 W 22ND ST, MERCED, CA 95340-3512

Mortgage

Document Number	0000022678
Date	Jun 14, 2022
Instrument	2022022678

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2047

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1045 W 22ND ST, MERCED, CA 95340-3512
Document Number	0000042875
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 W 22ND ST MERCED CA 953403512, MERCED, CA 95340-3512

Mortgage

Document Number	0000042875
Date	Dec 19, 2017
Instrument	42875

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 18, 2032

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		$190,885 (+5.44%) Land $53,266 Building $137,619
2025	$1,942.00 (+5.83%) Homeowner's exemption	$181,043 (+4.04%) Land $52,222 Building $128,821
2024	$1,835.00 (+1.49%)
2023	$1,808.00 (-2.69%) Homeowner's exemption	$174,016 Land $50,196 Building $123,820
2022	$1,858.00

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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