1655 Alberta St, Los Banos, CA 93635 Property Records

Merced County property record for 1655 Alberta St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,388 sqft · built 1997
Lot Size	0.179 acres (7,778 sqft)
Owner	Individual Name on File
Last Sale	$413,000 (Mar 2023)
Tax Bill	$5,023 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`431-113-025-000`

Property Details

APN / Parcel Number

Primary APN	`431-113-025-000`
Alternative APNs	`083321025000` `431-113-025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,388 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,388 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Tile
Lot Area	7,778 sqft (0.179 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	44 sqft
Patio Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	431-113-025
Street Address	1655 ALBERTA ST
City	LOS BANOS
State	CA
Zip	93635-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOS BANOS GDN #2 - 2 LOT 74
Legal Subdivision	LOS BANOS GARDEN 02 02
Legal Lot Number	74
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	4
Census Block	4019
Census Tract	2301

Owner

1655 Alberta St is owned and occupied by an individual who bought it in March 2023.

Source: Merced County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1655 ALBERTA ST, LOS BANOS, CA 93635-4544
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.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Mar 15, 2023	Grant Deed, Transfer · FHA Mortgage PACIFIC RESIDENTIAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2023 · Amount on File
Deed Sale	Mar 15, 2023 · Amount on File
Prior Sale	Apr 27, 2001 · Amount on File
Deed Document Number	20235747
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	May 27, 2026
Property Address	1655 ALBERTA ST, LOS BANOS, CA 93635-4544
Document Number	0000013402
Instrument Date	May 16, 2026
Instrument	202613402
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1655 ALBERTA ST, LOS BANOS, CA 93635-4544

Mortgage

Document Number	0000013402,
Date	May 27, 2026
Instrument	202613402

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	323 Months
Due	Apr 1, 2053

Interest

Rate	6.3%
Max Rate	-1%

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Mar 15, 2023
Property Address	1655 ALBERTA ST, LOS BANOS, CA 93635-4544
Document Number	0000005747
Map Reference	VOL 36 PG 19-21
Instrument Date	Mar 6, 2023
Instrument	2023005747
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	1655 ALBERTA ST, LOS BANOS, CA 93635-4544

Mortgage

Document Number	0000005748
Date	Mar 15, 2023
Instrument	2023005748

Lender

Name	PACIFIC RESIDENTIAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1655 Alberta St was $5,023.

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Los Banos City
Unified School District	Los Banos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$402,500 (-6.33%) Land $140,000 Building $262,500
2025	$5,023.00	$429,685 Land $114,444 Building $315,241
2023	$3,351.00 (+2.2%) Homeowner's exemption	$289,645 Land $57,922 Building $231,723
2022	$3,279.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1655 Alberta St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1655 Alberta St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.02% 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 LOS BANOS serves 48,896 people · EPA ID CA2410005
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 260 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
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: T-Mobile.

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