127 W 23rd St, Merced, CA 95340 Property Records

Merced County property record for 127 W 23rd St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,755 sqft · built 1939
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Jul 2012)
Tax Bill	$1,555 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-202-005-000`

Property Details

APN / Parcel Number

Primary APN	`030-202-005-000`
Alternative APN	`030-202-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,755 sqft Living Area
Gross Area	2,235 sqft
1st Floor Area	1,755 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1950
Construction Type	Wood
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	71 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	030-202-005
Street Address	127 W 23RD ST
City	MERCED
State	CA
Zip	95340-3827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MERCED LOT 25&26 BLK 48
Legal Subdivision	TOWN MERCED
Legal Block	48
Legal Lot Number	25,26
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2010
Census Tract	1302

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	127 W 23RD ST, MERCED, CA 95340-3827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2012 · Amount on Record
Deed Sale	Jul 27, 2012 · Amount on Record
Prior Sale	Nov 24, 2009 · Amount on Record
Deed Document Number	201226283
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	127 W 23RD ST, MERCED, CA 95340-3827
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127W 23RD STREET, MERCED, CA 95340

Mortgage

Document Number	0000039487
Date	Oct 28, 2020
Instrument	2020039487

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	127 W 23RD ST, MERCED, CA 95340-3827
Document Number	0000032980
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 W 23RD ST MERCED CA 953403827, MERCED, CA 95340-3827

Mortgage

Document Number	0000032980
Date	Oct 11, 2017
Instrument	32980

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

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		$141,919 (+2%) Land $13,809 Building $128,110
2025	$1,555.00 (+7.17%)	$139,138 (+4.04%) Land $13,539 Building $125,599
2023	$1,451.00 (+1.4%)	$133,737 Land $13,014 Building $120,723
2022	$1,431.00

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
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 552 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

May also be available: AT&T, Ayera Technologies, GeoLinks, T-Mobile, Verizon.

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