2864 la Palma Ave, Merced, CA 95348 Property Records

Merced County property record for 2864 la Palma Ave, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,324 sqft · built 1998
Lot Size	0.126 acres (5,491 sqft)
Owner	Individual Name on File
Last Sale	$203,000 (Aug 2017)
Tax Bill	$751 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2017 Sale & Mortgage
Flood Zone	Zone AO (high risk)
APN	`058-380-008-000`

Property Details

APN / Parcel Number

Primary APN	`058-380-008-000`
Alternative APN	`058-380-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
Gross Area	1,734 sqft
1st Floor Area	1,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	5,491 sqft (0.126 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	52 sqft
Patio Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	058-380-008
Street Address	2864 LA PALMA AVE
City	MERCED
State	CA
Zip	95348-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	WILLOWBRK EST PHASE II LOT 33
Legal Subdivision	WILLOWBRK ESTATE
Legal Lot Number	33
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1009
Census Tract	1005

Owner

2864 la Palma Ave is owned and occupied by an individual who bought it in August 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2864 LA PALMA AVE, MERCED, CA 95348-1338
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Aug 24, 2017	Grant Deed, Transfer · VA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2017 · Amount on File
Deed Sale	Aug 24, 2017 · Amount on File
Prior Sale	Aug 2, 2013 · Amount on File
Deed Document Number	201727433
Prior Transfer Date	Jul 24, 2013
Prior Transfer Doc	0000028196
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Jul 1, 2026
Property Address	2864 LA PALMA AVE, MERCED, CA 95348-1338
Document Number	0000017610
Instrument Date	Jun 22, 2026
Instrument	202617610
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2864 LA PALMA AVE, MERCED, CA 95348-1338

Mortgage

Document Number	0000017610,
Date	Jul 1, 2026
Instrument	202617610

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 1, 2066

Interest

Rate	6.51%
Max Rate	-1%

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 24, 2017
Property Address	2864 LA PALMA AVE, MERCED, CA 95348-1338
Document Number	0000027433
Instrument Date	Aug 8, 2017
Instrument	27433
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2864 LA PALMA AVE MERCED CA 953481338, MERCED, CA 95348-1338

Mortgage

Document Number	27434
Date	Aug 24, 2017
Instrument	27434

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2864 la Palma Ave was $751 with a veteran's exemption.

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

Year	Tax Bill	Assessed Value
2026		$235,594 (+2%) Land $52,224 Building $183,370
2025	$751.00 Disabled Person's exemption Veteran's exemption	$230,975 Land $51,200 Building $179,775
2023	$746.00 (-16.27%) Disabled Person's exemption Veteran's exemption	$222,008 Land $49,213 Building $172,795
2022	$891.00

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

Flood

FEMA maps place 2864 la Palma 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 146 individual policies
Nearby Flood Policies	186 units insured incl. 40 condo units
Nearby Flood Claims	69 (1998–2024)
Claims Outside the SFHA	2 of 69
Most Recent Claim	Apr 2024
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 44 claims Severe Storms, Flooding, Landslides, And Mudslides, Apr 2006 · 3 claims Severe Winter Storms And Flooding, Mar 1998 · 20 claims

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

Wildfire risk around 2864 la Palma Ave is low, with less than 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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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.

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 513 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 Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: GeoLinks.

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