2230 Orchard Ln, Merced, CA 95340 Property Records

Merced County property record for 2230 Orchard Ln, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,124 sqft · built 1947
Lot Size	0.137 acres (5,967 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Sep 2019)
Tax Bill	$2,189 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone AO (high risk)
APN	`034-034-018-000`

Property Details

APN / Parcel Number

Primary APN	`034-034-018-000`
Alternative APN	`034-034-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,124 sqft Living Area
Gross Area	1,564 sqft
1st Floor Area	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1949
Architectural Style	Custom Design
Roof Material	Tile
Lot Area	5,967 sqft (0.137 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	145 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	034-034-018
Street Address	2230 ORCHARD LN
City	MERCED
State	CA
Zip	95340-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	SIERRA CREST LOT 14 & SW 8.5 LOT 13
Legal Subdivision	SIERRA CREST
Legal Lot Number	14,13
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1032
Census Tract	1401

Owner

2230 Orchard Ln is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	2230 ORCHARD LN, MERCED, CA 95340-4019
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
Oct 4, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 30, 2019	Grant Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2019 · Amount on File
Deed Sale	Sep 30, 2019 · Amount on File
Deed Document Number	201931233
Prior Transfer Date	Dec 7, 2016
Prior Transfer Doc	0000047132
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2230 ORCHARD LN, MERCED, CA 95340-4019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032510
Date	Oct 4, 2017
Instrument	2017-032510

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Sep 30, 2019
Property Address	2230 ORCHARD LN, MERCED, CA 95340-4019
Document Number	0000031233
Map Reference	VOL 10 PG 7
Instrument Date	Aug 12, 2019
Instrument	2019031233
Transaction Type	Transfer
Record Updated	Jul 27, 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
Address	2230 ORCHARD LN, MERCED, CA 95340-4019

Mortgage

Document Number	0000031234
Date	Sep 30, 2019
Instrument	2019031234

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2230 Orchard Ln was $2,189, up 5.7% from the year before.

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		$206,365 (+2%) Land $66,928 Building $139,437
2025	$2,189.00 (+5.75%) Homeowner's exemption	$202,319 Land $65,616 Building $136,703
2024	$2,070.00 (+1.47%)
2023	$2,040.00 (+1.44%) Homeowner's exemption	$194,465 Land $63,069 Building $131,396
2022	$2,011.00

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

Flood

FEMA maps place 2230 Orchard Ln in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 2230 Orchard Ln is low, with less than a 0.01% annual chance of 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.

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