3406 Lago Ct, Merced, CA 95348 Property Records

Merced County property record for 3406 Lago Ct, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,066 sqft · built 1991
Lot Size	0.182 acres (7,914 sqft)
Owner	Company Name on Record
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2021 Transfer
Flood Zone	Zone X (moderate risk)
APN	`058-320-009-000`

Property Details

APN / Parcel Number

Primary APN	`058-320-009-000`
Alternative APN	`058-320-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
Gross Area	1,663 sqft
1st Floor Area	1,189 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	7,914 sqft (0.182 acres)
Garage Type	Attached
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	058-320-009
Street Address	3406 LAGO CT
City	MERCED
State	CA
Zip	95348-1847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	FAHRENS PK VIL 1 LOT 85
Legal Subdivision	FAHRENS PARK VILLAGE 01
Legal Lot Number	85
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2000
Census Tract	1008

Owner

Source: Merced County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2814 MCCOMBS DR, MERCED, CA 95340-2447
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Grant Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Apr 9, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 5, 2021
Transfer Doc	0000016133
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jun 30, 2026
Property Address	3406 LAGO CT, MERCED, CA 95348-1847
Document Number	0000017554
Instrument Date	Jun 17, 2026
Instrument	202617554
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,106.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3406 LAGO CT, MERCED, CA 95348-1847

Mortgage

Document Number	0000017555,
Date	Jun 30, 2026
Instrument	202617555

Lender

Name	OLD NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Apr 9, 2021
Property Address	3406 LAGO CT, MERCED, CA 95348-1847
Document Number	0000016133
Map Reference	VOL 37 PG 32-37
Instrument Date	Apr 5, 2021
Instrument	2021016133
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Family Trust
Address	2814 MCCOMBS DR, MERCED, CA 95340-2447

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 16, 2025

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
2025	$3,121.00 (+5.76%) Homeowner's exemption	$284,676 (+4.04%) Land $79,561 Building $205,115
2024	$2,951.00 (+1.44%)
2023	$2,909.00 (+1.36%) Homeowner's exemption	$273,623 Land $76,472 Building $197,151
2022	$2,870.00

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 AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 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

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 555 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
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ayera Technologies.

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