348 Capistrano St, Los Banos, CA 93635 Property Records

Merced County property record for 348 Capistrano St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 2018
Lot Size	0.149 acres (6,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (May 2024)
Tax Bill	$6,540 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Oct 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`424-154-022-000`

Property Details

APN / Parcel Number

Primary APN	`424-154-022-000`
Alternative APNs	`082674022000` `424-154-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,480 sqft (0.149 acres)
Garage Type	Attached
Garage Area	413 sqft
Parking Spaces	2 Parking Spaces
Patio Area	66 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	424-154-022
Street Address	348 CAPISTRANO ST
City	LOS BANOS
State	CA
Zip	93635-8295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MISSION VILLAGE NORTH UNIT NO 4 LOT 195
Legal Subdivision	MISSION VILLAGE NORTH
Legal Lot Number	195
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1009
Census Tract	2305

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	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Oct 2, 2019	Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC
May 12, 2021	Affidavit of Death of Joint Tenant, Transfer · FHA Mortgage LENDUS LLC
May 15, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD
Jan 11, 2018	Grant Deed, Transfer FIDELITY NATIONAL TITLE
May 26, 2017	Loan Modification, Mortgage HOUSING CAP
Jan 11, 2018	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2024 · Amount on Record
Deed Sale	May 9, 2024 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	202410377
Prior Transfer Date	Apr 9, 2021
Prior Transfer Doc	0000021451
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295

Mortgage

Document Number	0000021927
Date	Jun 8, 2022
Instrument	2022021927

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031560
Date	Oct 2, 2019
Instrument	2019031560

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company
Address	WILLIAMSTON, MI 48895

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2044

May 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MERCED CA
Recording Date	May 12, 2021
Property Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Document Number	0000021451
Map Reference	MB 75 PG 26-30
Instrument Date	Apr 9, 2021
Instrument	2021021451
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	CHICAGO TITLE COMPANY

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
Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295

Mortgage

Document Number	0000021452
Date	May 12, 2021
Instrument	2021021452

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	May 15, 2018
Property Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Document Number	0000014320
Map Reference	MB 75 PG 26-30
Instrument Date	Apr 12, 2018
Instrument	2018014320
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 21, 2022
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
Relationship	Community Property with Right of Survivorship
Address	PO BOX 2123, LOS BANOS, CA 93635-2123

Mortgage

Document Number	0000014321
Date	May 15, 2018
Instrument	2018014321

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jan 11, 2018
Property Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Document Number	0000000741
Instrument Date	Jan 10, 2018
Instrument	741
Transaction Type	Transfer
Record Updated	Jan 24, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$2,994.75
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	419 W MURRAY AVE VISALIA CA 932914970, VISALIA, CA 93291-4970
Investor	Possibly a Property Investor

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MERCED CA
Recording Date	May 26, 2017
Property Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Instrument Date	May 10, 2017
Instrument	16689
Transaction Type	Mortgage
Record Updated	Sep 20, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000016689
Date	May 26, 2017
Instrument	16689

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	265 E RIVER PARK CIR # 460, FRESNO, CA 93720-1581

Agreement

Amount	Amount Recorded
Term	24 Months
Due	May 25, 2019

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Jan 11, 2018
Property Address	348 CAPISTRANO ST, LOS BANOS, CA 93635-8295
Document Number	0000000740
Instrument Date	Aug 17, 2016
Instrument	740
Transaction Type	Transfer
Record Updated	Jan 24, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	923 E PACHECO BLVD #C LOS BANOS CA 936354327, C, LOS BANOS, CA 93635-4327

Tax Assessment & Valuation

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Los Banos City
Unified School District	Los Banos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$450,000 (-11.76%) Land $140,000 Building $310,000
2025	$6,540.00 (+35.26%)	$510,000 (+38.04%) Land $132,600 Building $377,400
2023	$4,835.00 (+2.05%) Homeowner's exemption	$369,462 Land $92,959 Building $276,503
2022	$4,738.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 97.8% 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 LOS BANOS serves 48,896 people · EPA ID CA2410005
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 601 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

May also be available: AT&T, Verizon.

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