2187 Orchard Ln, Merced, CA 95340 Property Records

Merced County property record for 2187 Orchard Ln, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 827 sqft · built 1951
Lot Size	0.107 acres (4,672 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jul 2024)
Tax Bill	$3,502 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2024 Sale & Construction Loan + 2 more
Flood Zone	Zone AO (high risk)
APN	`034-084-003-000`

Property Details

APN / Parcel Number

Primary APN	`034-084-003-000`
Alternative APN	`034-084-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	827 sqft Living Area
1st Floor Area	827 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1957
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	4,672 sqft (0.107 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	42 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	034-084-003
Street Address	2187 ORCHARD LN
City	MERCED
State	CA
Zip	95340-4017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	SIERRA CREST N50 LOT 27
Legal Subdivision	SIERRA CREST N 50
Legal Lot Number	27
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1031
Census Tract	1401

Owner

Source: Merced County records, as of September 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1555 E 26TH ST, MERCED, CA 95340-3214
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 29, 2024	Grant Deed, Construction Loan · Construction Mortgage LMF 2 LP
Oct 28, 2022	Intrafamily Transfer, Transfer
Oct 28, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2024 · Amount on Record
Deed Sale	Jul 12, 2024 · Amount on Record
Prior Sale	Feb 29, 2024 · Amount on Record
Deed Document Number	202416305
Prior Transfer Date	Oct 21, 2022
Prior Transfer Doc	0000036824
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2187 ORCHARD LN, MERCED, CA 95340-4017
Transaction Type	Mortgage
Record Updated	Jan 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2187 ORCHARD LN, MERCED, CA 95340-4017

Mortgage

Document Number	0000033941
Date	Dec 1, 2025
Instrument	2025033941

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Oct 1, 2054

February 2024: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 29, 2024
Property Address	2187 ORCHARD LN, MERCED, CA 95340-4017
Document Number	0000004741
Map Reference	MB 10 PG 7
Instrument Date	Feb 22, 2024
Instrument	2024004741
Transaction Type	Construction Loan
Record Updated	Apr 2, 2024
Title Company	CHICAGO 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
Address	3144 G ST, MERCED, CA 95340-1300

Mortgage

Document Number	0000004742
Date	Feb 29, 2024
Instrument	2024004742

Lender

Name	LMF 2 LP
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Oct 28, 2022
Property Address	2187 ORCHARD LN, MERCED, CA 95340-4017
Document Number	0000036825
Map Reference	MB 10 PG 7
Instrument Date	Oct 21, 2022
Instrument	2022036825
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Trust
Address	2187 ORCHARD LN, MERCED, CA 95340-4017

October 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MERCED CA
Recording Date	Oct 28, 2022
Property Address	2187 ORCHARD LN, MERCED, CA 95340-4017
Document Number	0000036824
Map Reference	MB 10 PG 7
Instrument Date	Oct 21, 2022
Instrument	2022036824
Transaction Type	Transfer
Record Updated	Nov 25, 2022

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
Address	2187 ORCHARD LN, MERCED, CA 95340-4017

Tax Assessment & Valuation

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		$321,300 (+2%) Land $96,900 Building $224,400
2025	$3,502.00 (+12,870.37%)	$315,000 (+26%) Land $95,000 Building $220,000
2023	$27.00 (-98.84%)	$250,000 Land $85,000 Building $165,000
2022	$2,332.00

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 98% of the US · lower than 98.4% 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 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.

Nearby Properties on Orchard Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures