3594 Vernal Ave, Merced, CA 95340 Property Records

Merced County property record for 3594 Vernal Ave, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,615 sqft · built 1978
Lot Size	0.149 acres (6,497 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Jul 1999)
Tax Bill	$1,741 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`006-363-002-000`

Property Details

APN / Parcel Number

Primary APN	`006-363-002-000`
Alternative APN	`006-363-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,615 sqft Living Area
Gross Area	2,075 sqft
1st Floor Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	6,497 sqft (0.149 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	115 sqft
Patio Area	274 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	006-363-002
Street Address	3594 VERNAL AVE
City	MERCED
State	CA
Zip	95340-0639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	W PK VIL #6 LOT 125
Legal Subdivision	WAINWRIGHTS PARK VILLAGE 06
Legal Lot Number	125
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	4
Census Block	4006
Census Tract	1101

Owner

3594 Vernal Ave is owned and occupied by an individual who acquired it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3594 VERNAL AVE, MERCED, CA 95340-0639
Occupancy	Owner Occupied
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
Jul 12, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage TRAVIS CU
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 1999 · Amount on File
Deed Sale	Jul 1, 1999 · Amount on File
Deed Document Number	199924642
Deed Book / Page	3890 / 398
Last Transfer Date	Jul 5, 2022
Transfer Doc	0000025983
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jul 12, 2022
Property Address	3594 VERNAL AVE, MERCED, CA 95340-0639
Document Number	0000025983
Map Reference	VOL 23 PG 23-27
Instrument Date	Jul 5, 2022
Instrument	2022025983
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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	3594 VERNAL AVE, MERCED, CA 95340-0639

Mortgage

Document Number	0000025984
Date	Jul 12, 2022
Instrument	2022025984

Lender

Name	TRAVIS CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	85 Months
Due	Aug 1, 2029

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3594 VERNAL AVE, MERCED, CA 95340-0639
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3594 VERNAL AVE, MERCED, CA 95340-0639

Mortgage

Document Number	0000021350
Date	May 12, 2021
Instrument	2021021350

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3594 VERNAL AVE, MERCED, CA 95340-0639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TSI TITLE COMPANY OF CALIFOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008515
Date	Mar 16, 2017
Instrument	2017-008515

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3594 Vernal Ave was $1,741 with a homeowner's exemption, up 5.8% from the year before.

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		$166,153 (+2%) Land $47,017 Building $119,136
2025	$1,741.00 (+5.84%) Homeowner's exemption	$162,896 Land $46,096 Building $116,800
2024	$1,645.00 (+1.48%)
2023	$1,621.00 (+1.5%) Homeowner's exemption	$156,572 Land $44,307 Building $112,265
2022	$1,597.00

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

Flood

FEMA maps place 3594 Vernal Ave in Zone X, an area of minimal 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 minimal risk
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

Wildfire risk around 3594 Vernal Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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 631 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

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