2028 Highland Dr, Merced, CA 95340 Property Records

Merced County property record for 2028 Highland Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 965 sqft · built 1946
Lot Size	0.137 acres (5,970 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Nov 2014)
Tax Bill	$1,357 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034-105-005-000`

Property Details

APN / Parcel Number

Primary APN	`034-105-005-000`
Alternative APN	`034-105-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	965 sqft Living Area
Gross Area	1,253 sqft
1st Floor Area	965 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1954
Construction Type	Wood
Roof Material	Other
Lot Area	5,970 sqft (0.137 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	034-105-005
Street Address	2028 HIGHLAND DR
City	MERCED
State	CA
Zip	95340-4221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	HGLD PK LOT 10 & POR 11
Legal Subdivision	HIGHLAND PARK
Legal Lot Number	10
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2020
Census Tract	1401

Owner

2028 Highland Dr is owned and occupied by an individual who bought it in November 2014.

Source: Merced County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	2028 HIGHLAND DR, MERCED, CA 95340-4221
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
Aug 27, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Mar 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Nov 7, 2017	Deed of Trust, Mortgage · Conventional with PMI NATIONS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2014 · Amount on File
Deed Sale	Nov 7, 2014 · Amount on File
Deed Document Number	201435043
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Aug 27, 2026
Property Address	2028 HIGHLAND DR, MERCED, CA 95340-4221
Document Number	0000023015
Instrument Date	Aug 20, 2026
Instrument	202623015
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 HIGHLAND DR, MERCED, CA 95340-4221

Mortgage

Document Number	0000023015,
Date	Aug 27, 2026
Instrument	202623015

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2028 HIGHLAND DR, MERCED, CA 95340-4221
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 HIGHLAND DR, MERCED, CA 95340-4221

Mortgage

Document Number	0000006150
Date	Mar 21, 2023
Instrument	2023006150

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2028 HIGHLAND DR, MERCED, CA 95340-4221
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 HIGHLAND DR, MERCED, CA 95340-4221

Mortgage

Document Number	0000035450
Date	Aug 11, 2021
Instrument	2021035450

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2028 HIGHLAND DR, MERCED, CA 95340-4221
Document Number	0000037878
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 HIGHLAND DR MERCED CA 953404221, MERCED, CA 95340-4221

Mortgage

Document Number	0000037878
Date	Nov 13, 2017
Instrument	37878

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2028 Highland Dr was $1,357.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Merced City
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		$122,578 (+2%) Land $42,900 Building $79,678
2025	$1,357.00	$120,175 Land $42,059 Building $78,116
2023	$1,267.00 (+1.44%)	$115,511 Land $40,427 Building $75,084
2022	$1,249.00

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

Flood

FEMA maps place 2028 Highland Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1998.

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
Flood Insurance Cost	Premium on File median of 87 policies
Nearby Flood Policies	87 in force
Nearby Flood Claims	6 (1998–2025)
Most Recent Claim	Dec 2025 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

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

The area around 2028 Highland Dr 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	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 551 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ayera Technologies, GeoLinks, Verizon.

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