2788 Elm Ave, Merced, CA 95348 Property Records

Merced County property record for 2788 Elm Ave, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,392 sqft · built 1946
Lot Size	0.272 acres (11,874 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,000 (Feb 2019)
Tax Bill	$2,350 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`057-241-021-000`

Property Details

APN / Parcel Number

Primary APN	`057-241-021-000`
Alternative APN	`057241021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	1,344 sqft
1st Floor Area	1,344 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1970
Architectural Style	Other
Construction Type	Tilt-Up Concrete
Lot Area	11,874 sqft (0.272 acres)
Garage Type	Detached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	057241021
Street Address	2788 ELM AVE
City	MERCED
State	CA
Zip	95348-3652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AIR HM SITES #1 LOT 74 POR LOT 75
Legal Subdivision	AIR HOME SITES 01
Legal Lot Number	74,75
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2004
Census Tract	904

Owner

Source: Merced County records, as of September 22, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	540 BONITA AVE SPC 406, 406, SAN JOSE, CA 95116-3315
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Feb 28, 2019	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2019 · Amount on Record
Deed Sale	Feb 28, 2019 · Amount on Record
Deed Document Number	2019005780
Record Updated	Jun 7, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2788 ELM AVE, MERCED, CA 95348-3652
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2788 ELM AVE, MERCED, CA 95348-3652

Mortgage

Document Number	0000039642
Date	Oct 29, 2020
Instrument	2020039642

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 28, 2019
Property Address	2788 ELM AVE, MERCED, CA 95348-3652
Document Number	0000005780
Instrument Date	Jan 24, 2019
Instrument	5780
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 BONITA AVE #406 SAN JOSE CA 951163315, 406, SAN JOSE, CA 95116-3315

Mortgage

Document Number	5781
Date	Feb 28, 2019
Instrument	5781

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2049

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

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
2025	$2,350.00 (+7.11%)	$207,483 (+4.04%) Land $61,351 Building $146,132
2023	$2,194.00 (+1.34%)	$199,428 Land $58,970 Building $140,458
2022	$2,165.00

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	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	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.

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