2398 Oak Ave, Merced, CA 95340 Property Records

Merced County property record for 2398 Oak Ave, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,140 sqft · built 1951
Lot Size	0.346 acres (15,050 sqft)
Owner	2 Company Names on File
Last Sale	$65,000 (Jul 2003)
Tax Bill	$1,306 (2025)
Deeds & Mortgages	Feb 2024 Transfer Nov 2021 Mortgage + 2 more
Flood Zone	Zone AO (high risk)
APN	`034-051-018-000`

Property Details

APN / Parcel Number

Primary APN	`034-051-018-000`
Alternative APN	`034-051-018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
Gross Area	1,382 sqft
1st Floor Area	1,140 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	15,050 sqft (0.346 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	20 sqft
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	034-051-018
Street Address	2398 OAK AVE
City	MERCED
State	CA
Zip	95340-4122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	YOS HM TR LOT 11
Legal Subdivision	YOSEMITE HOME TR
Legal Lot Number	11
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2005
Census Tract	1401

Owner

Source: Merced County records · APN 034-051-018-000

Assessment roll updated July 16, 2025 · Last verified August 2026

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

Owner of Record	2 Company Names on File
Mailing Address	2398 OAK AVE, MERCED, CA 95340-4122
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 01, 2024	Intrafamily Transfer, Transfer
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 24, 2019	Quit Claim Deed, Transfer · Conventional with PMI MR COOPER
Apr 20, 2017	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 22, 2003 · Amount on Record
Deed Sale	Jul 22, 2003 · Amount on Record
Prior Sale	Dec 02, 1999 · Amount on Record
Deed Document Number	200345738
Last Transfer Date	Jan 31, 2024
Transfer Doc	0000002375
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Feb 01, 2024
Property Address	2398 OAK AVE, MERCED, CA 95340-4122
Document Number	0000002375
Map Reference	VOL 11 PG 11
Instrument Date	Jan 31, 2024
Instrument	2024002375
Transaction Type	Transfer
Record Updated	Mar 01, 2024

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	Family Trust
Address	2398 OAK AVE, MERCED, CA 95340-4122

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2398 OAK AVE, MERCED, CA 95340-4122
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2398 OAK AVE, MERCED, CA 95340-4122

Mortgage

Document Number	0000052417
Date	Nov 24, 2021
Instrument	2021052417

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2051

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Oct 24, 2019
Property Address	2398 OAK AVE, MERCED, CA 95340-4122
Document Number	0000034529
Instrument Date	Aug 21, 2019
Instrument	34529
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2398 OAK AVE MERCED CA 953404122, MERCED, CA 95340-4122

Mortgage

Document Number	34530
Date	Oct 24, 2019
Instrument	34530

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2398 OAK AVE, MERCED, CA 95340-4122
Document Number	0000013298
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Jun 01, 2017
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2398 OAK AVE MERCED CA 953404122, MERCED, CA 95340-4122

Mortgage

Document Number	0000013298
Date	Apr 27, 2017
Instrument	13298

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

Tax Assessment & Valuation

Source: Merced County records · Assessment roll updated July 16, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2025	$1,306.00 (+5.83%) Homeowner's exemption	$122,348 (+4.04%) Land $40,926 Building $81,422
2024	$1,234.00 (+1.48%)
2023	$1,216.00 (+1.59%) Homeowner's exemption	$117,599 Land $39,338 Building $78,261
2022	$1,197.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 87 policies
Nearby Flood Policies	87 in force
Nearby Flood Claims	6 (1998–2025)
Most Recent Claim	Dec 2025 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 Holding Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Ayera Technologies, California Internet, Verizon.

Based on FCC filings for 551 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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

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 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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