3192 Kernland Ave, Merced, CA 95340 Property Records

Merced County property record for 3192 Kernland Ave, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,623 sqft · built 1974
Lot Size	0.178 acres (7,766 sqft)
Owner	Individual Name on Record
Last Sale	$238,500 (Oct 2019)
Tax Bill	$2,903 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-235-007-000`

Property Details

APN / Parcel Number

Primary APN	`006-235-007-000`
Alternative APN	`006-235-007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,623 sqft Living Area
Gross Area	2,007 sqft
1st Floor Area	1,623 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	7,766 sqft (0.178 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	006-235-007
Street Address	3192 KERNLAND AVE
City	MERCED
State	CA
Zip	95340-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	PARCEL F PM 18-33 SEC 17/7/14
Legal Range	14E
Legal Township	7S
Legal Section	17
Legal Subdivision	NORTHGATE PARK
Legal Lot Number	41,42
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3009
Census Tract	1101

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	3192 KERNLAND AVE, MERCED, CA 95340-1642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC
Oct 9, 2019	Grant Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2019 · Amount on Record
Deed Sale	Oct 9, 2019 · Amount on Record
Prior Sale	Aug 29, 2014 · Amount on Record
Deed Document Number	201932716
Prior Transfer Date	Jun 17, 1997
Prior Transfer Doc	0000021008
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3192 KERNLAND AVE, MERCED, CA 95340-1642
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3192 KERNLAND AVE, MERCED, CA 95340-1642

Mortgage

Document Number	0000035863
Date	Aug 13, 2021
Instrument	2021035863

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	WINTER SPRINGS, FL 32708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Oct 9, 2019
Property Address	3192 KERNLAND AVE, MERCED, CA 95340-1642
Document Number	0000032716
Map Reference	MB 20 PG 8&9
Instrument Date	Sep 12, 2019
Instrument	2019032716
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	3192 KERNLAND AVE, MERCED, CA 95340-1642

Mortgage

Document Number	0000032717
Date	Oct 9, 2019
Instrument	2019032717

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$271,145 (+3.96%) Land $78,084 Building $193,061
2025	$2,903.00 (+7.24%)	$260,829 (+4.04%) Land $76,553 Building $184,276
2023	$2,707.00 (+1.35%)	$250,702 Land $73,581 Building $177,121
2022	$2,671.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	6 (1995–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

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

Provider	Max Down / Up (Mbps)
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
AT&T DSL	100 / 20

May also be available: GeoLinks.

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