Merced County property record for 1874 Summit Dr, Los Banos, CA 93635
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,013 sqft · built 2022 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Company Name on Record |
| Last Sale | $510,000 (Mar 2023) |
| Tax Bill | $5,077 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 430-170-018-000 |
| Primary APN | 430-170-018-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,013 sqft Living Area |
| 1st Floor Area | 2,013 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 5,500 sqft (0.126 acres) |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 430-170-018 |
|---|---|
| Street Address | 1874 SUMMIT DR |
| City | LOS BANOS |
| State | CA |
| Zip | 93635-8308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 44 THE VILLAGES VII PH 1B UNIT 1 |
| Legal Subdivision | 2017-01 STONECREEK/LOS BANOS T |
| Legal Lot Number | 44 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | LOS BANOS |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 2301 |
Source: Merced County records, as of October 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1874 SUMMIT DR, LOS BANOS, CA 93635-8308 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 11, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 30, 2023 | Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2023 · Amount on Record |
| Deed Sale | Mar 30, 2023 · Amount on Record |
| Deed Document Number | 20236941 |
| Last Transfer Date | May 23, 2024 |
| Transfer Doc | 0000012215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 1874 SUMMIT DR, LOS BANOS, CA 93635-8308 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1874 SUMMIT DR, LOS BANOS, CA 93635-8308 |
| Document Number | 0000003294 |
|---|---|
| Date | Feb 11, 2026 |
| Instrument | 2026003294 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Max Rate | 5% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 30, 2023 |
| Property Address | 1874 SUMMIT DR, LOS BANOS, CA 93635-8308 |
| Document Number | 0000006941 |
| Map Reference | MB 82 PG 10-12 |
| Instrument Date | Feb 28, 2023 |
| Instrument | 2023006941 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1874 SUMMIT DR, LOS BANOS, CA 93635-8308 |
| Document Number | 0000006942 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 2023006942 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
Source: Merced County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Municipality | Los Banos City |
| Unified School District | Los Banos Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $541,202 (+2%) Land $116,732 Building $424,470 | |
| 2025 | $5,077.00 (-25.24%) Disabled Person's exemption Veteran's exemption | $530,592 (+2.16%) Land $114,444 Building $416,148 |
| 2023 | $6,791.00 (+31.81%) | $519,376 Land $99,376 Building $420,000 |
| 2022 | $5,152.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective October 4, 2022
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber | 1,000 / 1,000 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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