3228 Sacramento Dr, Merced, CA 95348 Property Records

Merced County property record for 3228 Sacramento Dr, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,111 sqft · built 1973
Lot Size	0.146 acres (6,364 sqft)
Owner	Individual Name on File
Last Sale	$286,000 (Jul 2021)
Tax Bill	$3,297 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`058-073-008-000`

Property Details

APN / Parcel Number

Primary APN	`058-073-008-000`
Alternative APN	`058-073-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,111 sqft Living Area
Gross Area	1,662 sqft
1st Floor Area	1,284 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,364 sqft (0.146 acres)
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	058-073-008
Street Address	3228 SACRAMENTO DR
City	MERCED
State	CA
Zip	95348-1562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	BETTER HOMES #3 UNIT 1 LOT 36
Legal Subdivision	BETTER HOMES 03
Legal Lot Number	36
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2007
Census Tract	1003

Owner

3228 Sacramento Dr is owned and occupied by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3228 SACRAMENTO DR, MERCED, CA 95348-1562
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
Mar 6, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 31, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 9, 2021	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Prior Sale	Jun 4, 1998 · Amount on File
Deed Document Number	202130518
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3228 SACRAMENTO DR, MERCED, CA 95348-1562
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 SACRAMENTO DR, MERCED, CA 95348-1562

Mortgage

Document Number	0000005666
Date	Mar 6, 2026
Instrument	2026005666

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	305 Months
Due	Aug 1, 2051

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3228 SACRAMENTO DR, MERCED, CA 95348-1562
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 SACRAMENTO DR, MERCED, CA 95348-1562

Mortgage

Document Number	0000002237
Date	Jan 31, 2024
Instrument	2024002237

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Aug 1, 2051

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 9, 2021
Property Address	3228 SACRAMENTO DR, MERCED, CA 95348-1562
Document Number	0000030518
Map Reference	VOL 20 PG 13-18
Instrument Date	May 3, 2021
Instrument	2021030518
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 SACRAMENTO DR, MERCED, CA 95348-1562

Mortgage

Document Number	0000030519
Date	Jul 9, 2021
Instrument	2021030519

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3228 Sacramento Dr was $3,297 with a homeowner's exemption, up 5.8% from the year before.

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		$309,574 (+2%) Land $92,006 Building $217,568
2025	$3,297.00 (+5.77%) Homeowner's exemption	$303,504 Land $90,202 Building $213,302
2024	$3,117.00 (+1.46%)
2023	$3,072.00 (+1.39%) Homeowner's exemption	$291,720 Land $86,700 Building $205,020
2022	$3,030.00

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

Flood

FEMA maps place 3228 Sacramento Dr in Zone AE, 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 AE high risk
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 95 policies
Nearby Flood Policies	95 in force
Nearby Flood Claims	14 (1986–2022)
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Mar 1998 · 3 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

The area around 3228 Sacramento Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 377 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

May also be available: AT&T, GeoLinks.

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