Merced County property record for 3909 Palmer Ct, Merced, CA 95340
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,447 sqft · built 2005 |
| Lot Size | 0.242 acres (10,556 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $237,000 (Sep 2004) |
| Tax Bill | $5,933 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 231-123-017-000 |
| Primary APN | 231-123-017-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,447 sqft Living Area |
| Gross Area | 739 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Lot Area | 10,556 sqft (0.242 acres) |
| Garage Type | Attached |
| Garage Area | 739 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 231-123-017 |
|---|---|
| Street Address | 3909 PALMER CT |
| City | MERCED |
| State | CA |
| Zip | 95340-8111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | DAVENPORT RANCH PHASE 2 LOT 88 |
| Legal Subdivision | DAVENPORT RANCH PH 02 |
| Legal Lot Number | 88 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 1801 |
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 Record |
|---|---|
| Mailing Address | 3909 PALMER CT, MERCED, CA 95340-8111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 2004 · Amount on Record |
| Deed Sale | Sep 10, 2004 · Amount on Record |
| Deed Document Number | 200459423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 3909 PALMER CT, MERCED, CA 95340-8111 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000042238 |
|---|---|
| Date | Dec 13, 2017 |
| Instrument | 2017-042238 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 3909 PALMER CT, MERCED, CA 95340-8111 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | TRANSCOUNTY TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3909 PALMER CT, MERCED, CA 95340-8111 |
| Document Number | 0000045588 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 2020045588 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $520,355 (+2%) Land $142,168 Building $378,187 | |
| 2025 | $5,933.00 (+6.61%) | $510,153 (+4.04%) Land $139,381 Building $370,772 |
| 2023 | $5,565.00 (+1.37%) | $490,345 Land $133,970 Building $356,375 |
| 2022 | $5,490.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 72% of California |
|---|---|
| Wildfire Likelihood | 0.09% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 449 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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