2685 Ranchero Ln, Merced, CA 95348 Property Records

Merced County property record for 2685 Ranchero Ln, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 1980
Lot Size	0.862 acres (37,566 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Aug 2019)
Tax Bill	$4,707 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`057-450-021-000`

Property Details

APN / Parcel Number

Primary APN	`057-450-021-000`
Alternative APN	`057-450-021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,745 sqft Living Area
Gross Area	2,317 sqft
1st Floor Area	1,745 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1981
Construction Type	Wood
Roof Material	Other
Lot Area	37,566 sqft (0.862 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	156 sqft
Patio Area	291 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	057-450-021
Street Address	2685 RANCHERO LN
City	MERCED
State	CA
Zip	95348-3534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	B&B RANCHEROS #2 UNIT 2 LOT 19
Legal Subdivision	B&B RANCHEROS 02
Legal Block	B
Legal Lot Number	19
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2012
Census Tract	904

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2685 RANCHERO LN, MERCED, CA 95348-3534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Line of Credit PROVIDENCE FCU
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 9, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on Record
Deed Sale	Aug 9, 2019 · Amount on Record
Prior Sale	Jun 18, 2009
Deed Document Number	201924424
Prior Transfer Date	Jun 15, 2009
Prior Transfer Doc	0000030496
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2685 RANCHERO LN, MERCED, CA 95348-3534
Transaction Type	Mortgage
Record Updated	Sep 15, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 RANCHERO LN, MERCED, CA 95348-3534

Mortgage

Document Number	0000019484
Date	Aug 18, 2023
Instrument	2023019484

Lender

Name	PROVIDENCE FCU
Type	Credit Union
Address	PORTLAND, OR 97222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2685 RANCHERO LN, MERCED, CA 95348-3534
Transaction Type	Mortgage
Record Updated	Jul 25, 2023
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 RANCHERO LN, MERCED, CA 95348-3534

Mortgage

Document Number	0000048880
Date	Nov 1, 2021
Instrument	2021048880

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 9, 2019
Property Address	2685 RANCHERO LN, MERCED, CA 95348-3534
Document Number	0000024424
Map Reference	MB 24 PG 37&38
Instrument Date	Jul 11, 2019
Instrument	2019024424
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	2685 RANCHERO LN, MERCED, CA 95348-3534

Mortgage

Document Number	0000024425
Date	Aug 9, 2019
Instrument	2019024425

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Merced County
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		$423,893 (+2%) Land $111,550 Building $312,343
2025	$4,707.00 (+7.12%)	$415,582 (+4.04%) Land $109,363 Building $306,219
2023	$4,394.00 (+1.31%)	$399,446 Land $105,117 Building $294,329
2022	$4,337.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	Moderate above 47% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CAL AM - MEADOWBROOK private · serves 5,723 people · EPA ID CA2410008
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	6 ppb (2023–2025) 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

Nearby Properties on Ranchero Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures