205 E 21st St, Merced, CA 95340 Property Records

Merced County property record for 205 E 21st St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,222 sqft · built 1929
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$699,000 (Jun 2022)
Tax Bill	$7,701 (2025)
Deeds & Mortgages	Jun 2022 Sale & Construction Loan Dec 2020 Mortgage
Flood Zone	Zone AO (high risk)
APN	`034-081-014-000`

Property Details

APN / Parcel Number

Primary APN	`034-081-014-000`
Alternative APN	`034081014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,222 sqft Living Area
Gross Area	2,622 sqft
1st Floor Area	1,297 sqft
2nd Floor Area	925 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 2000
Architectural Style	Other
Construction Type	Tilt-Up Concrete
Lot Area	14,000 sqft (0.321 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	45 sqft
Patio Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	034081014
Street Address	205 E 21ST ST
City	MERCED
State	CA
Zip	95340-3921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRAD #1 POR LOT 18
Legal Subdivision	BRAD 01
Legal Lot Number	18
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1005
Census Tract	1401

Owner

Source: Merced County records, as of September 22, 2025

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
Co-owner	Co-owner on Record
Mailing Address	205 E 21ST ST, MERCED, CA 95340-3921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Grant Deed, Construction Loan · Construction Mortgage THE UNIVERISTY OF CALIFORNIA
Dec 8, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Prior Sale	Dec 8, 2020
Deed Document Number	2022021289
Record Updated	Jun 7, 2026

June 2022: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jun 2, 2022
Property Address	205 E 21ST ST, MERCED, CA 95340-3921
Document Number	0000021289
Map Reference	MB 2 PG 66
Instrument Date	May 18, 2022
Instrument	2022021289
Transaction Type	Construction Loan
Record Updated	Jun 27, 2022
Title Company	TRANSCOUNTY 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	Community Property with Right of Survivorship
Address	205 E 21ST ST, MERCED, CA 95340-3921

Mortgage

Document Number	0000021290
Date	Jun 2, 2022
Instrument	2022021290

Lender

Name	THE UNIVERISTY OF CALIFORNIA
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Dec 8, 2020
Property Address	205 E 21ST ST, MERCED, CA 95340-3921
Document Number	0000047201
Map Reference	MB 2 PG 66
Instrument Date	Oct 29, 2020
Instrument	2020047201
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY 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	205 E 21ST ST, MERCED, CA 95340-3921

Mortgage

Document Number	0000047202
Date	Dec 8, 2020
Instrument	2020047202

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

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
2025	$7,701.00 (+0.22%) Homeowner's exemption	$700,000 (-1.82%) Land $150,000 Building $550,000
2023	$7,684.00 (+42.85%)	$712,980 Land $153,000 Building $559,980
2022	$5,379.00

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 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 Record median of 207 policies
Nearby Flood Policies	207 in force
Nearby Flood Claims	8 (1994–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims Severe Winter Storms And Flooding, Mar 1998 · 4 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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 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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
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

May also be available: GeoLinks.

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