Merced County property record for 228 Arroyo Ct, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,821 sqft · built 2020 |
| Lot Size | 0.156 acres (6,797 sqft) |
| Owner | Individual Name on File |
| Last Sale | $328,000 (Dec 2020) |
| Tax Bill | $4,798 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone AO (high risk) |
| APN | 061-623-003-000 |
| Primary APN | 061-623-003-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,821 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Lot Area | 6,797 sqft (0.156 acres) |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 061623003 |
|---|---|
| Street Address | 228 ARROYO CT |
| City | MERCED |
| State | CA |
| Zip | 95341-7744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARTLEY CROSSINGS LOT 26 |
| Legal Subdivision | HARTLEY XINGS |
| Legal Lot Number | 26 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 1700 |
Source: Merced County records · APN 061-623-003-000
Assessment roll updated July 1, 2025 · Last verified October 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 | 228 ARROYO CT, MERCED, CA 95341-7744 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2020 | Deed of Trust, Mortgage GEORGE D ARDIS |
| Dec 07, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Aug 13, 2020 | Deed of Trust, Mortgage CRAIG C LINDSAY IRA |
| Jul 02, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 07, 2020 · Amount on Record |
| Deed Sale | Dec 07, 2020 · Amount on Record |
| Prior Sale | Nov 19, 2020 |
| Deed Document Number | 2020047016 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 228 ARROYO CT, MERCED, CA 95341-7744 |
| Document Number | 0000049921 |
| Instrument Date | Dec 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8499 MONTE CRISTO AVE LIVINGSTON CA 953349354, LIVINGSTON, CA 95334-9354 |
| Document Number | 0000049921 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 49921 |
| Name | GEORGE D ARDIS |
|---|---|
| Address | PO BOX 173859, DENVER, CO 80217-3859 |
| Amount | Amount Recorded |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Dec 07, 2020 |
| Property Address | 228 ARROYO CT, MERCED, CA 95341-7744 |
| Document Number | 0000047016 |
| Map Reference | MB 69 PG 50-52 |
| Instrument Date | Nov 17, 2020 |
| Instrument | 2020047016 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 21, 2022 |
| Title Company | NORTH AMERICAN TITLE CO INC |
| 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 | 228 ARROYO CT, MERCED, CA 95341-7744 |
| Document Number | 0000047017 |
|---|---|
| Date | Dec 07, 2020 |
| Instrument | 2020047017 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 228 ARROYO CT, MERCED, CA 95341-7744 |
| Document Number | 0000029089 |
| Instrument Date | Aug 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2020 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8499 MONTE CRISTO AVE LIVINGSTON CA 953349354, LIVINGSTON, CA 95334-9354 |
| Document Number | 0000029089 |
|---|---|
| Date | Aug 24, 2020 |
| Instrument | 29089 |
| Name | CRAIG C LINDSAY IRA |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jul 02, 2020 |
| Property Address | 228 ARROYO CT, MERCED, CA 95341-7744 |
| Document Number | 0000021995 |
| Instrument Date | Jul 01, 2020 |
| Instrument | 21995 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 8499 MONTE CRISTO AVE LIVINGSTON CA 953349354, LIVINGSTON, CA 95334-9354 |
Source: Merced County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Municipality | Merced City |
| Secondary School District | Merced Union High School District (09 - 12) |
| Elementary School District | Weaver Union Elementary School District (KG - 08) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,798.00 (+7.31%) Homeowner's exemption | $355,036 (+4.04%) Land $54,121 Building $300,915 |
| 2023 | $4,471.00 (+1.43%) Homeowner's exemption | $341,251 Land $52,020 Building $289,231 |
| 2022 | $4,408.00 |
Source: FEMA National Flood Hazard Layer, Merced County (06047C), as of October 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060470017004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 82 policies |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 3 (2016–2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
| Wildfire Risk | Moderate above 46% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| UnWired Broadband Holding Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 471 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system CA2410009, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF MERCED serves 96,073 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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