Merced County property record for 1645 Shirley St, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,372 sqft · built 1955 |
| Lot Size | 0.152 acres (6,602 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,140 (2025) |
| Deeds & Mortgages | Feb 2020 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 035-111-028-000 |
| Primary APN | 035-111-028-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,372 sqft Living Area |
| Gross Area | 1,724 sqft |
| 1st Floor Area | 1,372 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | L-Shape |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 6,602 sqft (0.152 acres) |
| Garage Type | Attached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 035-111-028 |
|---|---|
| Street Address | 1645 SHIRLEY ST |
| City | MERCED |
| State | CA |
| Zip | 95341-5252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R16 |
| Legal Description | CAV SQ RESUB LOT 25 |
| Legal Subdivision | CAV SQUARE RESUB |
| Legal Lot Number | 25 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 1700 |
1645 Shirley St is owned and occupied by an individual.
Source: Merced County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1645 SHIRLEY ST, MERCED, CA 95341-5252 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 1645 SHIRLEY ST, MERCED, CA 95341-5252 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000004844 |
|---|---|
| Date | Feb 11, 2020 |
| Instrument | 2020004844 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 11, 2030 |
The 2025 property tax bill for 1645 Shirley St was $1,140 with a homeowner's exemption.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $109,670 (+2%) Land $25,914 Building $83,756 | |
| 2025 | $1,140.00 Homeowner's exemption | $107,520 Land $25,406 Building $82,114 |
| 2023 | $1,061.00 (+1.53%) Homeowner's exemption | $103,346 Land $24,420 Building $78,926 |
| 2022 | $1,045.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1645 Shirley St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 34 individual policies |
| Nearby Flood Policies | 37 units insured incl. 3 condo units |
| Nearby Flood Claims | 1 (1995) |
| Most Recent Claim | Jan 1995 · rainfall accumulation |
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 risk around 1645 Shirley 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: Ayera Technologies, GeoLinks.
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