Merced County property record for 1148 W Cardella Rd, Merced, CA 95348
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,352 sqft · built 1986 |
| Lot Size | 0.561 acres (24,456 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $126,000 (Oct 2002) |
| Tax Bill | $2,248 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 057-040-032-000 |
| Primary APN | 057-040-032-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 1,352 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 24,456 sqft (0.561 acres) |
| Garage Type | Carport |
| Garage Area | 399 sqft |
| Carport | Carport |
| Carport Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|
| Old Parcel Number | 057-040-032 |
|---|---|
| Street Address | 1148 W CARDELLA RD |
| City | MERCED |
| State | CA |
| Zip | 95348-9238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | COAL MER AC POR LOT 59&60 |
| Legal Subdivision | COAL MER AC |
| Legal Lot Number | 59,60 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | ATWATER |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 2500 |
1148 W Cardella Rd is owned and occupied by two individuals who bought it in October 2002.
Source: Merced County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1148 W CARDELLA RD, MERCED, CA 95348-9238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2002 · Amount on File |
| Deed Sale | Oct 31, 2002 · Amount on File |
| Prior Sale | Sep 8, 1999 · Amount on File |
| Deed Document Number | 200254443 |
| Prior Transfer Date | Jul 23, 1999 |
| Prior Transfer Doc | 0000033531 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 1148 W CARDELLA RD, MERCED, CA 95348-9238 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1148 W CARDELLA RD, MERCED, CA 95348-9238 |
| Document Number | 0000007951 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021007951 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2031 |
The 2025 property tax bill for 1148 W Cardella Rd was $2,248 with a homeowner's exemption.
Source: Merced County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Elementary School District | Merced City Elementary School District (KG - 08) |
| Secondary School District | Merced Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $213,018 (+2%) Land $44,308 Building $168,710 | |
| 2025 | $2,248.00 Homeowner's exemption | $208,842 Land $43,440 Building $165,402 |
| 2023 | $2,094.00 (+1.45%) Homeowner's exemption | $200,734 Land $41,754 Building $158,980 |
| 2022 | $2,064.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1148 W Cardella Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (1998–2010) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Feb 2010 · rainfall accumulation |
| Claims by Event |
|
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 risk around 1148 W Cardella Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 66% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 53 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Ayera Technologies Fixed Wireless | 120 / 40 |
| Cal.net Fixed Wireless | 100 / 20 |
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