Merced County property record for 21 W Main St, Merced, CA 95340
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,056 sqft · built 1919 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jun 2019) |
| Tax Bill | $3,827 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jun 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone AO (high risk) |
| APN | 031-163-010-000 |
| Primary APN | 031-163-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Other |
| Construction Type | Tilt-Up Concrete |
| Lot Area | 7,500 sqft (0.172 acres) |
| Porch | Porch |
| Porch Area | 168 sqft |
| Patio Area | 168 sqft |
| Heating System | Central |
|---|
| Old Parcel Number | 031163010 |
|---|---|
| Street Address | 21 W MAIN ST |
| City | MERCED |
| State | CA |
| Zip | 95340-4928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MERCED LOT 14 BLK 158 |
| Legal Subdivision | MERCED |
| Legal Block | 158 |
| Legal Lot Number | 14 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 1302 |
Source: Merced County assessment roll, as of July 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 21 W MAIN ST, MERCED, CA 95340-4928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU |
| Jun 21, 2019 | Grant Deed, Transfer · ARM STANFORD FCU |
| Jun 21, 2019 | Quit Claim Deed, Transfer CYPRESS TITLE COMPANY, CYPRESS TITLE CO |
| Jun 21, 2019 | Quit Claim Deed, Transfer CYPRESS TITLE COMPANY, CYPRESS TITLE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2019 · Amount on Record |
| Deed Sale | Jun 21, 2019 · Amount on Record |
| Prior Sale | Jun 21, 2019 |
| Deed Document Number | 2019018432 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 21 W MAIN ST, MERCED, CA 95340-4928 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 38 LUSK ST 3, 3, SAN FRANCISCO, CA 94107-1745 |
| Document Number | 0000013911 |
|---|---|
| Date | Apr 7, 2022 |
| Instrument | 2022013911 |
| Name | STANFORD FCU |
|---|---|
| Type | Credit Union |
| Address | PALO ALTO, CA 94303 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2037 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jun 21, 2019 |
| Property Address | 21 W MAIN ST, MERCED, CA 95340-4928 |
| Document Number | 0000018432 |
| Map Reference | VOL 2 PG 12 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 2019018432 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CYPRESS TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 21 W MAIN ST, MERCED, CA 95340-4928 |
| Document Number | 0000018433 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | 2019018433 |
| Name | STANFORD FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Jul 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Margin | 2 |
| Max Rate | 8% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jun 21, 2019 |
| Property Address | 21 W MAIN ST, MERCED, CA 95340-4928 |
| Document Number | 0000018431 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 18431 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2019 |
| Title Company | CYPRESS TITLE COMPANY, CYPRESS TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 244 W 27TH ST MERCED CA 953402959, MERCED, CA 95340-2959 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jun 21, 2019 |
| Property Address | 21 W MAIN ST, MERCED, CA 95340-4928 |
| Document Number | 0000018430 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 18430 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2019 |
| Title Company | CYPRESS TITLE COMPANY, CYPRESS TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 5383 RAINBOW LN ATWATER CA 953013120, ATWATER, CA 95301-3120 |
Source: Merced County assessment roll, as of July 1, 2025
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,827.00 (+6.39%) | $290,010 (+4.04%) Land $133,860 Building $156,150 |
| 2023 | $3,597.00 (+16.86%) | $278,751 Land $128,663 Building $150,088 |
| 2022 | $3,078.00 |
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 · 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 59 policies |
| Nearby Flood Policies | 59 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 552 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| UnWired Broadband Holding Fixed Wireless | 400 / 50 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: AT&T, Ayera Technologies, California Internet, T-Mobile USA, Verizon.
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