228 W 21st St, Merced, CA 95340 Property Records

Merced County property record for 228 W 21st St, Merced, CA 95340

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 4 ba · 1,941 sqft · built 1910
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Oct 2024)
Tax Bill	$5,565 (2025)
Deeds & Mortgages	Apr 2020 Transfer Apr 2020 Mortgage
Flood Zone	Zone AO (high risk)
APN	`030-284-006-000`

Property Details

APN / Parcel Number

Primary APN	`030-284-006-000`
Alternative APN	`030-284-006`

Interior

Units	4 Units

Exterior

Architectural Style	Multi-Family
Lot Area	7,500 sqft (0.172 acres)
Patio Area	213 sqft

Location & Zoning

Old Parcel Number	030-284-006
Street Address	228 W 21ST ST
City	MERCED
State	CA
Zip	95340-3818
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R2
Legal Description	MERCED LOT 4 BLK 110
Legal Subdivision	MERCED
Legal Block	110
Legal Lot Number	4
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2021
Census Tract	1302

Owner

228 W 21st St, a residential property, is owned by an individual who bought it in October 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1155 SPRUCE AVE, ATWATER, CA 95301-2727
Owner Type	Individual
Vesting	Single Man

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
Apr 23, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Apr 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2024 · Amount on File
Deed Sale	Oct 31, 2024 · Amount on File
Prior Sale	Apr 15, 2005 · Amount on File
Deed Document Number	202426066
Prior Transfer Date	Apr 16, 2020
Prior Transfer Doc	0000013155
Record Updated	Oct 29, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Apr 23, 2020
Property Address	228 W 21ST ST, MERCED, CA 95340-3818
Document Number	0000013157
Instrument Date	Apr 16, 2020
Instrument	13157
Transaction Type	Transfer
Record Updated	May 15, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	34895 LIMESTONE DR UNION CITY CA 945874600, UNION CITY, CA 94587-4600

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Apr 23, 2020
Property Address	228 W 21ST ST, MERCED, CA 95340-3818
Document Number	0000013155
Map Reference	MB 2 PG 12
Instrument Date	Apr 16, 2020
Instrument	2020013155
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	34895 LI9MSTONE DR, UNION CITY, CA 94587

Mortgage

Document Number	0000013156
Date	Apr 23, 2020
Instrument	2020013156

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 228 W 21st St was $5,565.

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		$510,000 (+1.76%) Land $96,900 Building $413,100
2025	$5,565.00	$501,200 Land $95,000 Building $406,200
2023	$4,206.00 (+15.58%)	$390,250 Land $85,000 Building $305,250
2022	$3,639.00

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

Flood

FEMA maps place 228 W 21st St 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 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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

The area around 228 W 21st St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 552 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
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Ayera Technologies, GeoLinks, T-Mobile, Verizon.

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