1635 Ellen Ave, Merced, CA 95341 Property Records

Merced County property record for 1635 Ellen Ave, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,305 sqft · built 1956
Lot Size	0.195 acres (8,505 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (May 2021)
Tax Bill	$3,026 (2025)
Deeds & Mortgages	May 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone AO (high risk)
APN	`035-123-007-000`

Property Details

APN / Parcel Number

Primary APN	`035-123-007-000`
Alternative APN	`035123007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
Gross Area	1,767 sqft
1st Floor Area	1,305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1957
Architectural Style	Other
Construction Type	Wood Frame
Lot Area	8,505 sqft (0.195 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	35 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	035123007
Street Address	1635 ELLEN AVE
City	MERCED
State	CA
Zip	95341-5233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CULLEN TR LOT 14
Legal Subdivision	CULLEN TR
Legal Lot Number	14
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1010
Census Tract	1700

Owner

Source: Merced County records, as of September 22, 2025

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
Co-owner	Co-owner on Record
Mailing Address	1635 ELLEN AVE, MERCED, CA 95341-5233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage CARDINAL FINANCE CO
May 27, 2021	Deed of Trust, Mortgage · Commercial Mortgage CARDINAL FINANCIAL COMPANY LP
May 4, 2021	Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Prior Sale	Feb 18, 2011 · Amount on Record
Deed Document Number	2021020219
Record Updated	Jun 7, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1635 ELLEN AVE, MERCED, CA 95341-5233
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 ELLEN AVE, MERCED, CA 95341-5233

Mortgage

Document Number	0000024035
Date	May 27, 2021
Instrument	2021024035

Lender

Name	CARDINAL FINANCE CO
Type	Lending Institution
Address	CHARLOTTE, NC 28273

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1635 ELLEN AVE, MERCED, CA 95341-5233
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 ELLEN AVE, MERCED, CA 95341-5233

Mortgage

Document Number	0000024034
Date	May 27, 2021
Instrument	2021024034

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	May 4, 2021
Property Address	1635 ELLEN AVE, MERCED, CA 95341-5233
Document Number	0000020219
Map Reference	MB 13 PG 41
Instrument Date	Mar 19, 2021
Instrument	2021020219
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	1635 ELLEN AVE, MERCED, CA 95341-5233
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020220
Date	May 4, 2021
Instrument	2021020220

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Mortgage

Document Number	0000020221
Date	May 4, 2021
Instrument	2021020221

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

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
2025	$3,026.00 (+7.57%)	$270,606 (+4.04%) Land $81,181 Building $189,425
2023	$2,813.00 (+0.5%)	$260,100 Land $78,030 Building $182,070
2022	$2,799.00

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 73 policies
Nearby Flood Policies	73 in force
Nearby Flood Claims	5 (1998–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20

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

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