3405 Vernal Ave, Merced, CA 95340 Property Records

Merced County property record for 3405 Vernal Ave, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,178 sqft · built 1978
Lot Size	0.167 acres (7,287 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (May 2011)
Tax Bill	$1,885 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-371-006-000`

Property Details

APN / Parcel Number

Primary APN	`006-371-006-000`
Alternative APN	`006-371-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,178 sqft Living Area
Gross Area	1,615 sqft
1st Floor Area	1,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	7,287 sqft (0.167 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	25 sqft
Patio Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	006-371-006
Street Address	3405 VERNAL AVE
City	MERCED
State	CA
Zip	95340-0637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	W PK VIL #6 LOT 154
Legal Subdivision	WAINWRIGHTS PARK VILLAGE 06
Legal Lot Number	154
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4007
Census Tract	1101

Owner

3405 Vernal Ave is owned and occupied by two individuals who bought it in May 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	3405 VERNAL AVE, MERCED, CA 95340-0637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MERCED SCHOOL EMPLOYEES FCU
Apr 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCED SCHOOL EMPLOYEES FCU
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE FUNDING LLC
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit FARMERS INSURANCE GROUP FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2011 · Amount on File
Deed Sale	May 26, 2011 · Amount on File
Prior Sale	Feb 24, 2011 · Amount on File
Deed Document Number	201119329
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3405 VERNAL AVE, MERCED, CA 95340-0637
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 VERNAL AVE, MERCED, CA 95340-0637

Mortgage

Document Number	0000016836
Date	Jul 21, 2023
Instrument	2023016836

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 20, 2038

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3405 VERNAL AVE, MERCED, CA 95340-0637
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009150
Date	Apr 2, 2019
Instrument	2019009150

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3405 VERNAL AVE, MERCED, CA 95340-0637
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 VERNAL AVE, MERCED, CA 95340-0637

Mortgage

Document Number	0000046116
Date	Dec 1, 2020
Instrument	2020046116

Lender

Name	COMMUNITY MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	POMONA, CA 91768

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3405 VERNAL AVE, MERCED, CA 95340-0637
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 VERNAL AVE, MERCED, CA 95340-0637

Mortgage

Document Number	0000005197
Date	Feb 4, 2021
Instrument	2021005197

Lender

Name	FARMERS INSURANCE GROUP FCU
Type	Credit Union
Address	BURBANK, CA 91504

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 8, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3405 Vernal Ave was $1,885 with a homeowner'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		$193,692 (+10.13%) Land $14,366 Building $179,326
2025	$1,885.00 Homeowner's exemption	$175,876 Land $14,085 Building $161,791
2023	$1,394.00 (+6.57%) Homeowner's exemption	$129,287 Land $13,539 Building $115,748
2022	$1,308.00

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

Flood

FEMA maps place 3405 Vernal Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 3405 Vernal Ave 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 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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