2865 la Palma Ave, Merced, CA 95348 Property Records

Merced County property record for 2865 la Palma Ave, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1999
Lot Size	0.091 acres (3,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Jun 2009)
Tax Bill	$1,268 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Aug 2018 Mortgage
Flood Zone	Zone AO (high risk)
APN	`058-370-053-000`

Property Details

APN / Parcel Number

Primary APN	`058-370-053-000`
Alternative APN	`058-370-053`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	1,568 sqft
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,970 sqft (0.091 acres)
Garage Type	Attached
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	058-370-053
Street Address	2865 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 35
Legal Subdivision	WILLOWBRK ESTATE
Legal Lot Number	35
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1007
Census Tract	1005

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	2 Individual Names on Record
Mailing Address	2865 LA PALMA AVE, MERCED, CA 95348-1338
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MERCED SCHOOL EMPLOYEES FCU
Aug 22, 2018	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2009 · Amount on Record
Deed Sale	Jun 26, 2009 · Amount on Record
Prior Sale	Sep 2, 2008 · Amount on Record
Deed Document Number	200932231
Last Transfer Date	Nov 25, 2024
Transfer Doc	0000028502
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2865 LA PALMA AVE, MERCED, CA 95348-1338
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2865 LA PALMA AVE, MERCED, CA 95348-1338

Mortgage

Document Number	0000033131
Date	Nov 19, 2025
Instrument	2025033131

Lender

Name	MERCED SCHOOL EMPLOYEES FCU
Type	Credit Union
Address	MERCED, CA 95348

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 18, 2040

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	2865 LA PALMA AVE, MERCED, CA 95348-1338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025807
Date	Aug 22, 2018
Instrument	2018025807

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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		$111,632 (+2%) Land $45,965 Building $65,667
2025	$1,268.00 (+10.65%)	$109,444 (+4.04%) Land $45,064 Building $64,380
2023	$1,146.00 (-4.34%) Homeowner's exemption	$105,196 Land $43,315 Building $61,881
2022	$1,198.00

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 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 Record 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

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.

Nearby Properties on la Palma Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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