1820 Spadafore St, Los Banos, CA 93635 Property Records

Merced County property record for 1820 Spadafore St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,449 sqft · built 2020
Lot Size	0.151 acres (6,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,500 (Aug 2020)
Tax Bill	$5,472 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083-650-014-000`

Property Details

APN / Parcel Number

Primary APN	`083-650-014-000`
Alternative APN	`083-650-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,449 sqft Living Area
1st Floor Area	1,449 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,556 sqft (0.151 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Patio Area	15 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	083-650-014
Street Address	1820 SPADAFORE ST
City	LOS BANOS
State	CA
Zip	93635-5397
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 59 SHAUNESSY VILLAGE PH 1 SEC 24/10/10
Legal Subdivision	2018-03 SHAUNESSY VILLAGE PH #
Legal Lot Number	59
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1000
Census Tract	2303

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	2 Individual Names on Record
Mailing Address	1820 SPADAFORE ST, LOS BANOS, CA 93635-5397
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit STAR ONE CU
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 27, 2020	Grant Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2020 · Amount on Record
Deed Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	202029835
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1820 SPADAFORE ST, LOS BANOS, CA 93635-5397
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 SPADAFORE ST, LOS BANOS, CA 93635-5397

Mortgage

Document Number	0000022216
Date	Sep 18, 2023
Instrument	2023022216

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Nov 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	1820 SPADAFORE ST, LOS BANOS, CA 93635-5397
Transaction Type	Mortgage
Record Updated	Jul 25, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 SPADAFORE ST, LOS BANOS, CA 93635-5397

Mortgage

Document Number	0000053679
Date	Dec 6, 2021
Instrument	2021053679

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2041

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 27, 2020
Property Address	1820 SPADAFORE ST, LOS BANOS, CA 93635-5397
Document Number	0000029835
Map Reference	MB 81 PG 28-34
Instrument Date	Aug 26, 2020
Instrument	2020029835
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1820 SPADAFORE STREET, LOS BANOS, CA 93635-5397

Mortgage

Document Number	0000029836
Date	Aug 27, 2020
Instrument	2020029836

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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		$388,742 (+2%) Land $104,886 Building $283,856
2025	$5,472.00 (+5.39%) Homeowner's exemption	$381,121 (+4.04%) Land $102,830 Building $278,291
2023	$5,192.00 (+2.08%) Homeowner's exemption	$366,324 Land $98,838 Building $267,486
2022	$5,086.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 80% of the US · lower than 88% 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 312 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
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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