1048 Vernal Ave, Merced, CA 95340 Property Records

Merced County property record for 1048 Vernal Ave, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,615 sqft · built 1978
Lot Size	0.148 acres (6,445 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Jul 2026)
Tax Bill	$3,304 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-363-007-000`

Property Details

APN / Parcel Number

Primary APN	`006-363-007-000`
Alternative APN	`006-363-007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,615 sqft Living Area
Gross Area	2,075 sqft
1st Floor Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1979
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	6,445 sqft (0.148 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	115 sqft
Patio Area	115 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	006-363-007
Street Address	1048 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 120
Legal Subdivision	WAINWRIGHTS PARK VILLAGE 06
Legal Lot Number	120
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4006
Census Tract	1101

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	1048 VERNAL AVE, MERCED, CA 95340-0636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Grant Deed, Transfer FIRST AMERICAN TITLE
Jul 1, 2026	Grant Deed, Transfer FIRST AMERICAN TITLE
Jun 3, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 24, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Sep 28, 2015 · Amount on Record
Deed Document Number	202617694
Prior Transfer Date	Dec 24, 1997
Prior Transfer Doc	0000001555
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 1, 2026
Property Address	1048 VERNAL AVE, MERCED, CA 95340-0636
Document Number	0000017694
Instrument Date	Jun 29, 2026
Instrument	202617694
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$51,106.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1048 VERNAL AVE, MERCED, CA 95340-0636

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 1, 2026
Property Address	1048 VERNAL AVE, MERCED, CA 95340-0636
Document Number	0000017695
Instrument Date	Jun 29, 2026
Instrument	202617695
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1048 VERNAL AVE, MERCED, CA 95340-0636

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jun 3, 2022
Property Address	1048 VERNAL AVE, MERCED, CA 95340-0636
Document Number	0000021341
Map Reference	MB 23 PG 23-27
Instrument Date	May 25, 2021
Instrument	2022021341
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	MORTGAGE CONNECT LP

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
Relationship	Joint Tenants
Address	1048 VERNAL AVE, MERCED, CA 95340-0636

Mortgage

Document Number	0000021342
Date	Jun 3, 2022
Instrument	2022021342

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Jun 1, 2031

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1048 VERNAL AVE, MERCED, CA 95340-0636
Document Number	0000003777
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Mar 17, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 VERNAL AVE MERCED CA 953400636, MERCED, CA 95340-0636

Mortgage

Document Number	0000003777
Date	Feb 2, 2017
Instrument	3777

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 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		$303,068 (+2%) Land $54,333 Building $248,735
2025	$3,304.00 (+5.76%)	$297,126 (+4.04%) Land $53,268 Building $243,858
2024	$3,124.00 (+1.4%)
2023	$3,081.00 (+1.35%)	$285,590 Land $51,200 Building $234,390
2022	$3,040.00

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	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

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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