2089 E North Bear Creek Dr, Merced, CA 95340 Property Records

Merced County property record for 2089 E North Bear Creek Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,065 sqft · built 1977
Lot Size	0.463 acres (20,180 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Jul 2021)
Tax Bill	$5,697 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`008-162-026-000`

Property Details

APN / Parcel Number

Primary APN	`008-162-026-000`
Alternative APN	`008-162-026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,065 sqft Living Area
Gross Area	2,980 sqft
1st Floor Area	2,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Construction Type	Wood
Roof Material	Tile
Lot Area	20,180 sqft (0.463 acres)
Garage Area	879 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	50 sqft
Patio Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	008-162-026
Street Address	2089 E NORTH BEAR CREEK DR
City	MERCED
State	CA
Zip	95340-2626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BRAD #2 POR LOT 82 21/7/14
Legal Subdivision	BRAD 02
Legal Lot Number	82
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4020
Census Tract	1200

Owner

2089 E North Bear Creek Dr is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2089 E NORTH BEAR CREEK DR, MERCED, CA 95340-2626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 9, 2021	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Feb 20, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Aug 17, 2016 · Amount on File
Deed Document Number	202130302
Prior Transfer Date	Apr 23, 2014
Prior Transfer Doc	0000012406
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 9, 2021
Property Address	2089 E NORTH BEAR CREEK DR, MERCED, CA 95340-2626
Document Number	0000030302
Map Reference	MB 23 PG 1/2
Instrument Date	Jul 1, 2021
Instrument	2021030302
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
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	2089 E NORTH BEAR CREEK DR, MERCED, CA 95340-2626

Mortgage

Document Number	0000030303
Date	Jul 9, 2021
Instrument	2021030303

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2089 E NORTH BEAR CREEK DR, MERCED, CA 95340-2626
Document Number	0000006405
Instrument Date	Feb 20, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2089 E NORTH BEAR CREEK DR MERCED CA 953402626, MERCED, CA 95340-2626

Mortgage

Document Number	0000006405
Date	Feb 25, 2020
Instrument	6405

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2089 E North Bear Creek Dr was $5,697 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
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		$530,390 (+2%) Land $92,006 Building $438,384
2025	$5,697.00 Homeowner's exemption	$519,991 Land $90,202 Building $429,789
2023	$5,308.00 (+1.34%) Homeowner's exemption	$499,800 Land $86,700 Building $413,100
2022	$5,238.00

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

Flood

FEMA maps place 2089 E North Bear Creek Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 2089 E North Bear Creek Dr is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 360 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
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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