121 2nd St, Los Banos, CA 93635 Property Records

Merced County property record for 121 2nd St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1993
Lot Size	0.161 acres (7,032 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jan 2021)
Tax Bill	$4,152 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`082-430-023-000`

Property Details

APN / Parcel Number

Primary APN	`082-430-023-000`
Alternative APN	`082-430-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,304 sqft Living Area
Gross Area	1,722 sqft
1st Floor Area	1,304 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Tile
Lot Area	7,032 sqft (0.161 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	082-430-023
Street Address	121 2ND ST
City	LOS BANOS
State	CA
Zip	93635-3173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	FAIROAK EST LOT 22
Legal Subdivision	FAIROAK ESTATE
Legal Lot Number	22
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1001
Census Tract	2201

Owner

121 2nd St is owned and occupied by two individuals who bought it in January 2021.

Source: Merced County records, as of September 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	121 2ND ST, LOS BANOS, CA 93635-3173
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ENGINEERS FEDERAL CREDIT UNION
Jan 20, 2021	Affidavit of Death, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO
Jan 20, 2021	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO
Jan 20, 2021	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2021 · Amount on File
Deed Sale	Jan 20, 2021 · Amount on File
Deed Document Number	20212387
Prior Transfer Date	Dec 30, 2020
Prior Transfer Doc	0000002386
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Aug 5, 2026
Property Address	121 2ND ST, LOS BANOS, CA 93635-3173
Document Number	0000021050
Instrument Date	Jul 31, 2026
Instrument	202621050
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	REPUBLIC TITLE COMPANY, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 2ND ST, LOS BANOS, CA 93635-3173

Mortgage

Document Number	0000021050,
Date	Aug 5, 2026
Instrument	202621050

Lender

Name	ENGINEERS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

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

January 2021: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MERCED CA
Recording Date	Jan 20, 2021
Property Address	121 2ND ST, LOS BANOS, CA 93635-3173
Document Number	0000002385
Instrument Date	Jan 4, 2021
Instrument	2385
Transaction Type	Transfer
Record Updated	Feb 24, 2021
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5366 SE MATOUSEK ST STUART FL 349973401, STUART, FL 34997-3401

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Jan 20, 2021
Property Address	121 2ND ST, LOS BANOS, CA 93635-3173
Document Number	0000002386
Instrument Date	Dec 30, 2020
Instrument	2386
Transaction Type	Transfer
Record Updated	Feb 24, 2021
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5366 SE MATOUSEK ST STUART FL 349973401, STUART, FL 34997-3401

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jan 20, 2021
Property Address	121 2ND ST, LOS BANOS, CA 93635-3173
Document Number	0000002387
Map Reference	VOL 38 PG 29-31
Instrument Date	Dec 30, 2020
Instrument	2021002387
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	121 2ND ST, LOS BANOS, CA 93635-3173

Mortgage

Document Number	0000002388
Date	Jan 20, 2021
Instrument	2021002388

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 121 2nd St was $4,152 with a homeowner's exemption.

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Los Banos City
Unified School District	Los Banos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$364,343 (+2%) Land $104,886 Building $259,457
2025	$4,152.00 Homeowner's exemption	$357,200 Land $102,830 Building $254,370
2023	$3,926.00 (+2.05%) Homeowner's exemption	$343,332 Land $98,838 Building $244,494
2022	$3,847.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 121 2nd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 121 2nd St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 LOS BANOS serves 48,896 people · EPA ID CA2410005
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 297 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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