312 W 28th St, Merced, CA 95340 Property Records

Merced County property record for 312 W 28th St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,536 sqft · built 1947
Lot Size	0.517 acres (22,500 sqft)
Owner	Individual Name on Record
Tax Bill	$1,676 (2025)
Deeds & Mortgages	Oct 2023 Construction Loan Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`030-021-006-000`

Property Details

APN / Parcel Number

Primary APN	`030-021-006-000`
Alternative APN	`030-021-006`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,536 sqft Living Area
Gross Area	4,289 sqft
1st Floor Area	3,536 sqft
Basement Area	247 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1960
Construction Type	Wood
Roof Material	Other
Lot Area	22,500 sqft (0.517 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	336 sqft
Patio Area	552 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Old Parcel Number	030-021-006
Street Address	312 W 28TH ST
City	MERCED
State	CA
Zip	95340-2905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	MERCED LOTS 1-3 BLK 4
Legal Subdivision	MERCED
Legal Block	4
Legal Lot Number	1-3
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1003
Census Tract	1302

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	312 W 28TH ST, MERCED, CA 95340-2905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Deed of Trust, Mortgage · Construction Mortgage NORTH COAST FINANCIAL INC
Dec 7, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 11, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 30, 2023
Transfer Doc	0000030758
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	312 W 28TH ST, MERCED, CA 95340-2905
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 W 19TH ST, MERCED, CA 95340-4607

Mortgage

Document Number	0000024097
Date	Oct 6, 2023
Instrument	2023024097

Lender

Name	NORTH COAST FINANCIAL INC
Type	Funding / Finance Company
Address	CARLSBAD, CA 92018

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Dec 7, 2023
Property Address	312 W 28TH ST, MERCED, CA 95340-2905
Document Number	0000030758
Map Reference	MB X PG 540
Instrument Date	Oct 26, 2023
Instrument	2023030758
Transaction Type	Transfer
Record Updated	Jan 8, 2024
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	312 W 28TH ST, MERCED, CA 95340-2905

Mortgage

Document Number	0000030759
Date	Dec 7, 2023
Instrument	2023030759

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Oct 11, 2023
Property Address	312 W 28TH ST, MERCED, CA 95340-2905
Document Number	0000024446
Map Reference	MB X PG 540
Instrument Date	Oct 11, 2023
Instrument	2023024446
Transaction Type	Transfer
Record Updated	Nov 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 W 28TH ST, MERCED, CA 95340-2905

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		$159,984 (+2%) Land $26,163 Building $133,821
2025	$1,676.00 (+5.81%) Homeowner's exemption	$156,848 (-77.59%) Land $25,650 Building $131,198
2024	$1,584.00 (-57.52%)
2023	$3,729.00 (+142.46%) Homeowner's exemption	$700,000 Land $100,000 Building $600,000
2022	$1,538.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	2 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 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	Not rated no burnable land within 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ayera Technologies, GeoLinks.

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