1287 Panorama Point Ct, Merced, CA 95340 Property Records

Merced County property record for 1287 Panorama Point Ct, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,242 sqft · built 1997
Lot Size	0.207 acres (9,023 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jul 2017)
Tax Bill	$5,064 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`006-550-024-000`

Property Details

APN / Parcel Number

Primary APN	`006-550-024-000`
Alternative APN	`006-550-024`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,242 sqft Living Area
Gross Area	2,858 sqft
1st Floor Area	2,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Tile
Lot Area	9,023 sqft (0.207 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	006-550-024
Street Address	1287 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 41
Legal Subdivision	OAKMONT VILLAGE
Legal Lot Number	41
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	2 Individual Names on Record
Mailing Address	339 WAYNE AVE, OAKLAND, CA 94606-1124
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage BOX HOME LOANS
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 5, 2019	Quit Claim Deed, Transfer · Conventional with PMI LENDERFI
Jul 24, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jul 24, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017 · Amount on Record
Deed Sale	Jul 24, 2017 · Amount on Record
Prior Sale	May 21, 2010 · Amount on Record
Deed Document Number	201723413
Last Transfer Date	May 23, 2019
Transfer Doc	0000016238
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727

Mortgage

Document Number	0000033063
Date	Nov 19, 2025
Instrument	2025033063

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727
Transaction Type	Mortgage
Record Updated	Mar 21, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727

Mortgage

Document Number	0000008120
Date	Feb 24, 2022
Instrument	2022008120

Lender

Name	BOX HOME LOANS
Type	Mortgage Company
Address	LINDON, UT 84042

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727

Mortgage

Document Number	0000010935
Date	Mar 11, 2021
Instrument	2021010935

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Jun 5, 2019
Property Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727
Document Number	0000016238
Instrument Date	May 23, 2019
Instrument	16238
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	AMROCK TITLE CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1287 PANORAMA POINT CT MERCED CA 953400727, MERCED, CA 95340-0727

Mortgage

Document Number	16239
Date	Jun 5, 2019
Instrument	16239

Lender

Name	LENDERFI
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2034

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Jul 24, 2017
Property Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727
Document Number	0000023414
Instrument Date	Jul 21, 2017
Instrument	23414
Transaction Type	Transfer
Record Updated	Sep 20, 2017
Title Company	FIRST AMERICAN TITLE

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	1287 PANORAMA POINT CT MERCED CA 953400727, MERCED, CA 95340-0727

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 24, 2017
Property Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727
Document Number	0000023413
Map Reference	VOL 46 PG 37-39
Instrument Date	Jul 13, 2017
Instrument	2017-023413
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1287 PANORAMA POINT CT, MERCED, CA 95340-0727

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		$452,506 (+2%) Land $52,224 Building $400,282
2025	$5,064.00 (+7.15%)	$443,634 (+4.04%) Land $51,200 Building $392,434
2023	$4,726.00 (+3.12%)	$426,410 Land $49,213 Building $377,197
2022	$4,583.00

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
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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