1685 Merced St, Richmond, CA 94804 Property Records

Contra Costa County property record for 1685 Merced St, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 970 sqft · built 1949
Lot Size	0.064 acres (2,800 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Oct 2022)
Tax Bill	$13,604 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`508-221-023-7`

Property Details

APN / Parcel Number

Primary APN	`508-221-023-7`
Alternative APN	`508-221-023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	970 sqft Living Area
1st Floor Area	970 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1964
Lot Area	2,800 sqft (0.064 acres)
Garage Type	Attached
Garage Area	290 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1685 MERCED ST
City	RICHMOND
State	CA
Zip	94804-5034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICHMOND ANNEX LOT 18 BLK 29
Legal Subdivision	RICHMOND ANX
Legal Block	29
Legal Lot Number	18
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2015
Census Tract	383000

Owner

1685 Merced St is owned and occupied by two individuals who bought it in October 2022.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1685 MERCED ST, RICHMOND, CA 94804-5034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 11, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 26, 2022	Grant Deed, Transfer · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDING 3 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2022 · Amount on File
Deed Sale	Oct 26, 2022 · Amount on File
Prior Sale	Feb 27, 2004 · Amount on File
Deed Document Number	2022166125
Prior Transfer Date	Feb 13, 1998
Prior Transfer Doc	0000035223
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1685 MERCED ST, RICHMOND, CA 94804-5034
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 MERCED ST, RICHMOND, CA 94804-5034

Mortgage

Document Number	0000081196
Date	May 11, 2022
Instrument	2022-081196

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 26, 2022
Property Address	1685 MERCED ST, RICHMOND, CA 94804-5034
Document Number	0000166125
Map Reference	MB 6 PG 144
Instrument Date	Oct 19, 2022
Instrument	2022-166125
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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
Relationship	Joint Tenants
Address	1685 MERCED ST, RICHMOND, CA 94804-5034

Mortgage

Document Number	0000166126
Date	Oct 26, 2022
Instrument	2022-166126

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1685 MERCED ST, RICHMOND, CA 94804-5034
Document Number	0000282624
Instrument Date	Nov 9, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 MERCED ST RICHMOND CA 948045034, RICHMOND, CA 94804-5034

Mortgage

Document Number	0000282624
Date	Nov 20, 2020
Instrument	282624

Lender

Name	LENDING 3 INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1685 Merced St was $13,604 with a homeowner's exemption.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$912,637 (+2%) Land $785,293 Building $127,344
2025	$13,604.00 Homeowner's exemption	$894,744 Land $769,896 Building $124,848
2023	$13,042.00 (+56.08%) Homeowner's exemption	$860,000 Land $740,000 Building $120,000
2022	$8,356.00

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

Flood

FEMA maps place 1685 Merced St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1685 Merced St has no burnable land within ember reach, so its wildfire risk is not rated.

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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 916 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile.

Nearby Properties on Merced St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures