1286 Panorama Point Ct, Merced, CA 95340 Property Records

Merced County property record for 1286 Panorama Point Ct, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,855 sqft · built 1999
Lot Size	0.16 acres (6,950 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Dec 2024)
Tax Bill	$4,780 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-550-044-000`

Property Details

APN / Parcel Number

Primary APN	`006-550-044-000`
Alternative APN	`006-550-044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,855 sqft Living Area
Gross Area	2,475 sqft
1st Floor Area	1,855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,950 sqft (0.16 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	006-550-044
Street Address	1286 PANORAMA POINT CT
City	MERCED
State	CA
Zip	95340-0727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	OAKMONT VILLAGE UNIT NO.5 LOT 54
Legal Subdivision	OAKMONT VILLAGE
Legal Lot Number	54
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4003
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	1286 PANORAMA POINT CT, MERCED, CA 95340-0727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2024 · Amount on Record
Deed Sale	Dec 5, 2024 · Amount on Record
Prior Sale	Mar 22, 2013 · Amount on Record
Deed Document Number	202428939
Prior Transfer Date	Mar 19, 2013
Prior Transfer Doc	0000010632
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1286 PANORAMA POINT CT, MERCED, CA 95340-0727
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 PANORAMA POINT CT, MERCED, CA 95340-0727

Mortgage

Document Number	0000006049
Date	Feb 8, 2021
Instrument	2021006049

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$433,500 (+2%) Land $122,400 Building $311,100
2025	$4,780.00 (+77.76%) Homeowner's exemption	$425,000 (+79.54%) Land $120,000 Building $305,000
2023	$2,689.00 (+1.55%)	$236,713 Land $47,339 Building $189,374
2022	$2,648.00

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 A, within 500 ft
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 97% of the US · lower than 97.8% 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 507 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: Verizon.

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