3701 N Lake Rd, Merced, CA 95340 Property Records

Merced County property record for 3701 N Lake Rd, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,079 sqft · built 1980
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Nov 2017)
Tax Bill	$5,697 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-600-039-000`

Property Details

APN / Parcel Number

Primary APN	`060-600-039-000`
Alternative APN	`060-600-039`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,079 sqft Living Area
Gross Area	2,113 sqft
1st Floor Area	1,543 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	60,984 sqft
Garage Type	Attached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	21 sqft
Patio Area	439 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	060-600-039
Street Address	3701 N LAKE RD
City	MERCED
State	CA
Zip	95340-8651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	PARCEL 3 PM 33-25 SEC 9/7/14
Legal Range	14E
Legal Township	7S
Legal Section	9
Legal Subdivision	YOSEMITE COLONY
Legal Lot Number	21
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1020
Census Tract	1801

Owner

3701 N Lake Rd is owned and occupied by two individuals who bought it in November 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3701 N LAKE RD, MERCED, CA 95340-8651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 2, 2017	Grant Deed, Transfer · Conventional with PMI OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2017 · Amount on File
Deed Sale	Nov 2, 2017 · Amount on File
Deed Document Number	201736056
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	3701 N LAKE RD, MERCED, CA 95340-8651
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 N LAKE RD, MERCED, CA 95340-8651

Mortgage

Document Number	0000041828
Date	Sep 20, 2021
Instrument	2021041828

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Nov 2, 2017
Property Address	3701 N LAKE RD, MERCED, CA 95340-8651
Document Number	0000036056
Instrument Date	Oct 19, 2017
Instrument	36056
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3701 N LAKE RD MERCED CA 953408651, MERCED, CA 95340-8651

Mortgage

Document Number	36057
Date	Nov 2, 2017
Instrument	36057

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3701 N Lake Rd was $5,697.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
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		$522,257 (+2%) Land $174,084 Building $348,173
2025	$5,697.00	$512,018 Land $170,671 Building $341,347
2023	$5,312.00 (+1.34%)	$492,138 Land $164,045 Building $328,093
2022	$5,242.00

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

Flood

FEMA maps place 3701 N Lake Rd 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	7 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 3701 N Lake Rd is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks.

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