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3910 N Gardner Ave, Merced, CA 95340 Property Records

Merced County property record for 3910 N Gardner Ave, Merced, CA 95340

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,981 sqft · built 2016
Lot Size1.13 acres (49,223 sqft)
Owner2 Individual Names on File
Last Sale$65,000 (Aug 2014)
Tax Bill$5,989 (2025)
Deeds & MortgagesAug 2021 Mortgage
Apr 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN060-560-072-000

Property Details

APN / Parcel Number

Primary APN060-560-072-000
Alternative APN
  • 060-560-072

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms10 Rooms
Stories1 Story
Building Area2,981 sqft Living Area
1st Floor Area2,981 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Construction TypeWood
Lot Area49,223 sqft
Garage TypeAttached
Garage Area1,140 sqft
Parking Spaces4 Parking Spaces
Patio Area537 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Old Parcel Number060-560-072
Street Address3910 N GARDNER AVE
CityMERCED
StateCA
Zip95340-9678
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAR
Legal DescriptionPARCEL 2 PM 100-41 SEC 9/7/14
Legal Range14E
Legal Township7S
Legal Section9
Legal SubdivisionCALVIN H CALLISTER & GWEN C CA
Legal Lot Number2
JurisdictionMERCED CA
Township / Civil DivisionMERCED
Census Block Group1
Census Block1008
Census Tract1801

Owner

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 Record2 Individual Names on File
Mailing Address3910 N GARDNER AVE, MERCED, CA 95340-9678
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Aug 25, 2021Deed of Trust, Mortgage · VA Mortgage
LOW VA RATES LLC
Apr 3, 2020Deed of Trust, Mortgage · VA Mortgage
NATIONAL BANK OF KANSAS CITY
May 6, 2019Quit Claim Deed, Transfer
PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2014 · Amount on File
Deed SaleAug 29, 2014 · Amount on File
Deed Document Number201426863
Last Transfer DateMay 3, 2019
Transfer Doc0000012908
Record UpdatedOct 29, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMERCED CA
Property Address3910 N GARDNER AVE, MERCED, CA 95340-9678
Transaction TypeMortgage
Record UpdatedSep 23, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3910 N GARDNER AVE, MERCED, CA 95340-9678

Mortgage

Document Number0000037541
DateAug 25, 2021
Instrument2021037541
Lender
NameLOW VA RATES LLC
TypeMortgage Company
AddressKANSAS CITY, MO 64114
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMERCED CA
Property Address3910 N GARDNER AVE, MERCED, CA 95340-9678
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000011248
DateApr 3, 2020
Instrument2020011248
Lender
NameNATIONAL BANK OF KANSAS CITY
TypeBank
AddressKANSAS CITY, MO 64114
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2050

May 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMERCED CA
Recording DateMay 6, 2019
Property Address3910 N GARDNER AVE, MERCED, CA 95340-9678
Document Number0000012908
Instrument DateMay 3, 2019
Instrument12908
Transaction TypeTransfer
Record UpdatedJun 4, 2019
Title CompanyPUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3910 N GARDNER AVE MERCED CA 95340, MERCED, CA 95340

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountyMerced County
Elementary School DistrictMerced City Elementary School District (KG - 08)
Secondary School DistrictMerced Union High School District (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$636,626 (+16.66%) Land $85,714 Building $550,912
2025$5,989.00 (+7.31%) Homeowner's exemption$545,713 (+4.04%) Land $84,034 Building $461,679
2023$5,581.00 (+1.34%) Homeowner's exemption$524,524 Land $80,772 Building $443,752
2022$5,507.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 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

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

Wildfire RiskHigh
above 71% of the US · above 46% of California
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

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 27 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: T-Mobile.

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