Merced County property record for 2646 Story Ave, Merced, CA 95340
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,212 sqft · built 1970 |
| Lot Size | 0.178 acres (7,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Mar 2018) |
| Tax Bill | $2,534 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Jun 2021 Transfer + 3 more |
| Flood Zone | Zone AO (high risk) |
| APN | 033-203-032-000 |
| Primary APN | 033-203-032-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,212 sqft Living Area |
| Gross Area | 1,572 sqft |
| 1st Floor Area | 1,212 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 7,750 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 033-203-032 |
|---|---|
| Street Address | 2646 STORY AVE |
| City | MERCED |
| State | CA |
| Zip | 95340-3321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R16 |
| Legal Description | BETTER HOMES #2 LOT 28 |
| Legal Subdivision | BETTER HOMES 02 |
| Legal Lot Number | 28 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1402 |
2646 Story Ave is owned and occupied by an individual who acquired it in May 2021.
Source: Merced County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Jun 1, 2021 | Intrafamily Transfer, Transfer |
| May 21, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Mar 23, 2018 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE |
| Mar 23, 2018 | Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 2018 · Amount on File |
| Deed Sale | Mar 23, 2018 · Amount on File |
| Prior Sale | Aug 5, 2009 · Amount on File |
| Deed Document Number | 20188619 |
| Last Transfer Date | May 26, 2021 |
| Transfer Doc | 0000024520 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Document Number | 0000024224 |
|---|---|
| Date | Jun 27, 2022 |
| Instrument | 2022024224 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 310 Months |
| Due | Apr 1, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jun 1, 2021 |
| Property Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Document Number | 0000024520 |
| Map Reference | MB 18 PG 43 |
| Instrument Date | May 26, 2021 |
| Instrument | 2021024520 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | May 21, 2018 |
| Property Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Document Number | 0000015100 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 15100 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 130 S 11TH ST RICHMOND CA 948042410, RICHMOND, CA 94804-2410 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 23, 2018 |
| Property Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Document Number | 0000008618 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 8618 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 130 S 11TH ST RICHMOND CA 948042410, RICHMOND, CA 94804-2410 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 23, 2018 |
| Property Address | 2646 STORY AVE, MERCED, CA 95340-3321 |
| Document Number | 0000008619 |
| Instrument Date | Mar 1, 2018 |
| Instrument | 8619 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 130 S 11TH ST RICHMOND CA 948042410, RICHMOND, CA 94804-2410 |
| Document Number | 8620 |
|---|---|
| Date | Mar 23, 2018 |
| Instrument | 8620 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2048 |
The 2025 property tax bill for 2646 Story Ave was $2,534, up 5.7% from the year before.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $232,112 (+2%) Land $52,224 Building $179,888 | |
| 2025 | $2,534.00 (+5.72%) | $227,561 Land $51,200 Building $176,361 |
| 2024 | $2,397.00 (+1.44%) | |
| 2023 | $2,363.00 (+1.33%) | $218,726 Land $49,213 Building $169,513 |
| 2022 | $2,332.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2646 Story Ave 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 139 policies |
| Nearby Flood Policies | 139 in force |
| Nearby Flood Claims | 8 (1998–2023) |
| Most Recent Claim | Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 2646 Story Ave is low, with 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 483 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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