1789 E North Bear Creek Dr, Merced, CA 95340 Property Records

Merced County property record for 1789 E North Bear Creek Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,616 sqft · built 2005
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on Record
Last Sale	$1,225,000 (Jun 2026)
Tax Bill	$11,310 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`008-154-002-000`

Property Details

APN / Parcel Number

Primary APN	`008-154-002-000`
Alternative APNs	`008-154-007-000` `008-154-007` `008130071`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,616 sqft Living Area
Gross Area	1,576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Wood
Lot Area	47,045 sqft
Garage Type	Attached
Garage Area	1,576 sqft
Parking Spaces	6 Parking Spaces
Patio Area	912 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected
Water Source	Well

Location & Zoning

Old Parcel Number	008-154-007
Street Address	1789 E NORTH BEAR CREEK DR
City	MERCED
State	CA
Zip	95340-2660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ADJ PAR 1 BRAD #2 - POR LOT 84 SEC 21/7/14
Legal Range	14E
Legal Township	7S
Legal Section	21
Legal Subdivision	BRADLEYS ADD #2/MERCED
Legal Lot Number	84
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4019
Census Tract	1200

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	Individual Name on Record
Mailing Address	1789 E NORTH BEAR CREEK DR, MERCED, CA 95340-2660
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Grant Deed, Transfer · Conventional Mortgage BANK NATIONAL ASSOCIATION
Feb 6, 2024	Deed of Trust, Mortgage · Line of Credit FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	Jun 5, 2024 · Amount on Record
Deed Document Number	202615151
Prior Transfer Date	May 14, 2024
Prior Transfer Doc	0000012711
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jun 5, 2026
Property Address	1789 E NORTH BEAR CREEK DR, MERCED, CA 95340-2660
Document Number	0000015151
Instrument Date	Jun 3, 2026
Instrument	202615151
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136,097.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1789 E NORTH BEAR CREEK DR, MERCED, CA 95340-2660

Mortgage

Document Number	0000015152,
Date	Jun 5, 2026
Instrument	202615152

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1789 E NORTH BEAR CREEK DR, MERCED, CA 95340-2660
Transaction Type	Mortgage
Record Updated	Mar 1, 2024
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1789 E NORTH BEAR CREEK DR, MERCED, CA 95340-2660

Mortgage

Document Number	0000002757
Date	Feb 6, 2024
Instrument	2024002757

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
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		$1,039,686 (+2%) Land $260,100 Building $779,586
2025	$11,310.00 (+33.69%)	$1,019,300 (+28.58%) Land $255,000 Building $764,300
2023	$8,460.00 (+1.44%) Homeowner's exemption	$792,742 Land $32,338 Building $760,404
2022	$8,340.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 360 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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