197 Sonoma Ct, Merced, CA 95341 Property Records

Merced County property record for 197 Sonoma Ct, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,456 sqft · built 2003
Lot Size	0.133 acres (5,770 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,359 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone AO (high risk)
APN	`259-251-020-000`

Property Details

APN / Parcel Number

Primary APN	`259-251-020-000`
Alternative APN	`259-251-020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	1,856 sqft
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	5,770 sqft (0.133 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	22 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	259-251-020
Street Address	197 SONOMA CT
City	MERCED
State	CA
Zip	95341-6985
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LA BELLA VISTA PHASE E LOT 129
Legal Subdivision	LA BELLA VISTA PH E
Legal Lot Number	129
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1008
Census Tract	1604

Owner

197 Sonoma Ct is owned and occupied by two individuals who acquired it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	197 SONOMA CT, MERCED, CA 95341-6985
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
Oct 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage MERCO CU
Mar 8, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 21, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Apr 1, 2019	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019
Deed Sale	Apr 1, 2019
Prior Sale	Oct 26, 2016 · Amount on File
Deed Document Number	20199093
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	0000009093
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	197 SONOMA CT, MERCED, CA 95341-6985
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SONOMA CT, MERCED, CA 95341-6985

Mortgage

Document Number	0000024890
Date	Oct 17, 2023
Instrument	2023024890

Lender

Name	MERCO CU
Type	Credit Union
Address	MERCED, CA 95340

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2038

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	197 SONOMA CT, MERCED, CA 95341-6985
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SONOMA CT, MERCED, CA 95341-6985

Mortgage

Document Number	0000009564
Date	Mar 8, 2022
Instrument	2022009564

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Dec 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	197 SONOMA CT, MERCED, CA 95341-6985
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038876
Date	Nov 21, 2019
Instrument	2019038876

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Apr 1, 2019
Property Address	197 SONOMA CT, MERCED, CA 95341-6985
Document Number	0000009093
Map Reference	MB 57 PG 1-3
Instrument Date	Mar 27, 2019
Instrument	2019009093
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	197 SONOMA CT, MERCED, CA 95341-6985

Mortgage

Document Number	0000009094
Date	Apr 1, 2019
Instrument	2019009094

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 197 Sonoma Ct was $2,359 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Merced City
Secondary School District	Merced Union High School District (09 - 12)
Elementary School District	Weaver Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$207,157 (+2%) Land $53,266 Building $153,891
2025	$2,359.00 Homeowner's exemption	$203,096 Land $52,222 Building $150,874
2023	$2,146.00 (+0.85%) Homeowner's exemption	$195,212 Land $50,196 Building $145,016
2022	$2,128.00

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

Flood

FEMA maps place 197 Sonoma Ct in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 50 policies
Nearby Flood Policies	50 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 197 Sonoma Ct is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
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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