118 el Verano Way, Merced, CA 95341 Property Records

Merced County property record for 118 el Verano Way, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,313 sqft · built 2002
Lot Size	0.137 acres (5,972 sqft)
Owner	Individual Name on Record
Last Sale	$142,500 (Oct 2002)
Tax Bill	$2,391 (2025)
Deeds & Mortgages	Aug 2021 Reverse Mortgage Jul 2019 Mortgage
Flood Zone	Zone AO (high risk)
APN	`259-242-007-000`

Property Details

APN / Parcel Number

Primary APN	`259-242-007-000`
Alternative APN	`259-242-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,313 sqft Living Area
Gross Area	1,704 sqft
1st Floor Area	1,313 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,972 sqft (0.137 acres)
Garage Type	Attached
Garage Area	391 sqft
Parking Spaces	1 Parking Space
Patio Area	93 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	259-242-007
Street Address	118 EL VERANO WAY
City	MERCED
State	CA
Zip	95341-9206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LA BELLA VISTA PHASE A LOT 22
Legal Subdivision	LA BELLA VISTA PH A
Legal Lot Number	22
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1009
Census Tract	1604

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	118 EL VERANO WAY, MERCED, CA 95341-9206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 26, 2019	Reverse Mortgage, Transfer · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2002 · Amount on Record
Deed Sale	Oct 22, 2002 · Amount on Record
Deed Document Number	200252212
Last Transfer Date	Jul 18, 2019
Transfer Doc	0000022610
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	118 EL VERANO WAY, MERCED, CA 95341-9206
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 EL VERANO WAY, MERCED, CA 95341-9206

Mortgage

Document Number	0000035803
Date	Aug 12, 2021
Instrument	2021035803

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	946 Months
Due	Jun 27, 2100

Interest

Rate Type	Adjustable Rate
Rate	2.03%
Change Frequency	Monthly
Index	1-Year CMT

July 2019: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	MERCED CA
Recording Date	Jul 26, 2019
Property Address	118 EL VERANO WAY, MERCED, CA 95341-9206
Document Number	0000022610
Instrument Date	Jul 18, 2019
Instrument	22610
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	TIMIOS TITLE INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 EL VERANO WAY MERCED CA 953419206, MERCED, CA 95341-9206

Mortgage

Document Number	22611
Date	Jul 26, 2019
Instrument	22611

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	972 Months
Due	Jul 25, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.14%

Mortgage

Document Number	22612,
Date	Jul 26, 2019
Instrument	22612

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	972 Months
Due	Jul 25, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.14%

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
Secondary School District	Merced Union High School District (09 - 12)
Elementary School District	Weaver Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$210,121 (+2%) Land $44,308 Building $165,813
2025	$2,391.00 (+9.88%) Homeowner's exemption	$206,002 (+4.04%) Land $43,440 Building $162,562
2023	$2,176.00 (+0.83%) Homeowner's exemption	$198,004 Land $41,754 Building $156,250
2022	$2,158.00

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 50 policies
Nearby Flood Policies	50 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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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