3948 Osprey Ct, Merced, CA 95340 Property Records

Merced County property record for 3948 Osprey Ct, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,565 sqft · built 2021
Lot Size	0.231 acres (10,059 sqft)
Owner	2 Individual Names on File
Last Sale	$494,000 (May 2021)
Tax Bill	$7,896 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`231-190-010-000`

Property Details

APN / Parcel Number

Primary APN	`231-190-010-000`
Alternative APN	`231-190-010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,565 sqft Living Area
1st Floor Area	2,565 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Wood
Lot Area	10,059 sqft (0.231 acres)
Garage Type	Attached
Garage Area	765 sqft
Parking Spaces	3 Parking Spaces
Patio Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	231-190-010
Street Address	3948 OSPREY CT
City	MERCED
State	CA
Zip	95340-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANSIONETTE ESTATES UNIT 5 LOT 124
Legal Subdivision	MANSIONETTE ESTATE
Legal Lot Number	124
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1035
Census Tract	1801

Owner

3948 Osprey Ct is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3948 OSPREY CT, MERCED, CA 95340-9603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on File
Deed Sale	May 25, 2021 · Amount on File
Deed Document Number	202123445
Record Updated	Oct 29, 2026

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	May 25, 2021
Property Address	3948 OSPREY CT, MERCED, CA 95340-9603
Document Number	0000023445
Map Reference	VOL 79 PG 35-37
Instrument Date	Jul 1, 2019
Instrument	2021023445
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3948 OSPREY CT, MERCED, CA 95340-9603

Mortgage

Document Number	0000023446
Date	May 25, 2021
Instrument	2021023446

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3948 Osprey Ct was $7,896 with a homeowner's exemption.

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		$545,186 (+2%) Land $93,846 Building $451,340
2025	$7,896.00 Homeowner's exemption	$534,497 Land $92,006 Building $442,491
2023	$7,383.00 (+2.3%) Homeowner's exemption	$513,743 Land $88,434 Building $425,309
2022	$7,217.00

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

Flood

FEMA maps place 3948 Osprey Ct 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 3948 Osprey Ct is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% 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.

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 250 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
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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