2804 McCombs Dr, Merced, CA 95340 Property Records

Merced County property record for 2804 McCombs Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,976 sqft · built 1964
Lot Size	0.316 acres (13,770 sqft)
Owner	2 Individual Names on File
Last Sale	$453,000 (Apr 2026)
Tax Bill	$3,971 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`007-172-011-000`

Property Details

APN / Parcel Number

Primary APN	`007-172-011-000`
Alternative APN	`007-172-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
Gross Area	2,460 sqft
1st Floor Area	1,976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	13,770 sqft (0.316 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	151 sqft
Patio Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	007-172-011
Street Address	2804 MCCOMBS DR
City	MERCED
State	CA
Zip	95340-2447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	MC BEAR CR TR LOT 26
Legal Subdivision	MC BEAR CR TR
Legal Lot Number	26
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3005
Census Tract	1200

Owner

Source: Merced County assessment roll, as of July 16, 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 File
Mailing Address	2804 MCCOMBS DR, MERCED, CA 95340-2447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 10, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Jul 10, 2020	Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Jul 10, 2020 · Amount on Record
Deed Document Number	20269078
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2804 MCCOMBS DR, MERCED, CA 95340-2447
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 MCCOMBS DR, MERCED, CA 95340-2447

Mortgage

Document Number	0000015347
Date	Jul 2, 2024
Instrument	2024015347

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Aug 1, 2050

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Apr 10, 2026
Property Address	2804 MCCOMBS DR, MERCED, CA 95340-2447
Document Number	0000009078
Instrument Date	Mar 25, 2026
Instrument	20269078
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$50,328.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2804 MCCOMBS DR, MERCED, CA 95340-2447

Mortgage

Document Number	0000009079,
Date	Apr 10, 2026
Instrument	20269079

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2804 MCCOMBS DR, MERCED, CA 95340-2447
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001041
Date	Jan 10, 2017
Instrument	2017001041

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 10, 2020
Property Address	2804 MCCOMBS DR, MERCED, CA 95340-2447
Document Number	0000023079
Map Reference	VOL 14 PG 24
Instrument Date	Jul 8, 2020
Instrument	2020023079
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	2804 MCCOMBS DR, MERCED, CA 95340-2447

Mortgage

Document Number	0000023080
Date	Jul 10, 2020
Instrument	2020023080

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 16, 2025

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
2025	$3,971.00 (+5.75%)	$357,201 (+4.04%) Land $86,593 Building $270,608
2024	$3,755.00 (+1.43%)
2023	$3,702.00 (+1.31%)	$343,332 Land $83,232 Building $260,100
2022	$3,654.00

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
UnWired Broadband Holding Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Ayera Technologies.

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