3437 Lago Ct, Merced, CA 95348 Property Records

Merced County property record for 3437 Lago Ct, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,738 sqft · built 1991
Lot Size	0.238 acres (10,377 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,433 (2025)
Deeds & Mortgages	Oct 2025 Transfer May 2022 Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`058-320-004-000`

Property Details

APN / Parcel Number

Primary APN	`058-320-004-000`
Alternative APN	`058-320-004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,738 sqft Living Area
Gross Area	2,326 sqft
1st Floor Area	1,738 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	10,377 sqft (0.238 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	058-320-004
Street Address	3437 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 89
Legal Subdivision	FAHRENS PARK VILLAGE 01
Legal Lot Number	89
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2000
Census Tract	1008

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	2 Individual Names on Record
Mailing Address	4218 LA SALLE AVE, CULVER CITY, CA 90232-3212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Transfer on Death Deed, Transfer
May 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 17, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
May 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 6, 2025
Transfer Doc	0000026840
Record Updated	Oct 29, 2026

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MERCED CA
Recording Date	Oct 8, 2025
Property Address	3437 LAGO CT, MERCED, CA 95348-1847
Document Number	0000026840
Instrument Date	Oct 6, 2025
Instrument	2025026840
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3437 LAGO CT, MERCED, CA 95348-1847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4218 LA SALLE AVE, CULVER CITY, CA 90232-3212

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3437 LAGO CT, MERCED, CA 95348-1847
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3437 LAGO CT, MERCED, CA 95348-1847

Mortgage

Document Number	0000017515
Date	May 3, 2022
Instrument	2022017515

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3437 LAGO CT, MERCED, CA 95348-1847
Document Number	0000000001
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3437 LAGO CT MERCED CA 953481847, MERCED, CA 95348-1847

Mortgage

Document Number	0000000001
Date	Jan 2, 2020
Instrument	1

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3437 LAGO CT, MERCED, CA 95348-1847
Document Number	0000016455
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 9, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3437 LAGO CT MERCED CA 953481847, MERCED, CA 95348-1847

Mortgage

Document Number	0000016455
Date	Jun 1, 2018
Instrument	16455

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 31, 2033

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		$311,958 (+2%) Land $82,767 Building $229,191
2025	$3,433.00 (+7.18%)	$305,843 (+4.04%) Land $81,145 Building $224,698
2023	$3,203.00 (+1.33%)	$293,969 Land $77,995 Building $215,974
2022	$3,161.00

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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	168.0 ft
Flood Insurance Requirement	Required federally backed loans
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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