3582 Santiago Ave, Merced, CA 95348 Property Records

Merced County property record for 3582 Santiago Ave, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 2006
Lot Size	0.127 acres (5,532 sqft)
Owner	2 Individual Names on File
Last Sale	$411,000 (Dec 2005)
Tax Bill	$5,311 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`058-466-015-000`

Property Details

APN / Parcel Number

Primary APN	`058-466-015-000`
Alternative APN	`058-466-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,830 sqft Living Area
Gross Area	2,367 sqft
1st Floor Area	1,830 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,532 sqft (0.127 acres)
Garage Type	Attached
Garage Area	537 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	058-466-015
Street Address	3582 SANTIAGO AVE
City	MERCED
State	CA
Zip	95348-9500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	FAHRENS PARK UNIT 4D LOT 365
Legal Subdivision	FAHRENS PARK
Legal Lot Number	365
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2015
Census Tract	1008

Owner

3582 Santiago Ave is owned by two individuals who bought it in December 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	111 WOODCREST DR, SAN RAMON, CA 94583-1269
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
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIVINE MTG CAP
Apr 18, 2017	Deed of Trust, Mortgage · Conventional with PMI CAPITALEND HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2005 · Amount on File
Deed Sale	Dec 1, 2005 · Amount on File
Deed Document Number	200596037
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3582 SANTIAGO AVE, MERCED, CA 95348-9500
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WOODCREST DR, SAN RAMON, CA 94583-1269

Mortgage

Document Number	0000044585
Date	Oct 6, 2021
Instrument	2021044585

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3582 SANTIAGO AVE, MERCED, CA 95348-9500
Document Number	0000037997
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 16, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 WOODCREST DR SAN RAMON CA 945831269, SAN RAMON, CA 94583-1269

Mortgage

Document Number	0000037997
Date	Oct 20, 2020
Instrument	37997

Lender

Name	DIVINE MTG CAP
Address	CITY OF INDUSTRY, CA 91748

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3582 SANTIAGO AVE, MERCED, CA 95348-9500
Document Number	0000013048
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	May 31, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 WOODCREST DR SAN RAMON CA 945831269, SAN RAMON, CA 94583-1269

Mortgage

Document Number	0000013048
Date	Apr 25, 2017
Instrument	13048

Lender

Name	CAPITALEND HM LOANS
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3582 Santiago Ave was $5,311.

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		$469,500 (+4.22%) Land $120,000 Building $349,500
2025	$5,311.00	$450,500 Land $120,000 Building $330,500
2023	$4,914.00 (-0.51%)	$431,000 Land $105,000 Building $326,000
2022	$4,939.00

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

Flood

FEMA maps place 3582 Santiago Ave in Zone X, an area of moderate flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 3582 Santiago 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 139 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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