40 W 20th St, Merced, CA 95340 Property Records

Merced County property record for 40 W 20th St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 1925
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Mar 2016)
Tax Bill	$2,112 (2025)
Deeds & Mortgages	Oct 2021 Reverse Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone AO (high risk)
APN	`031-083-004-000`

Property Details

APN / Parcel Number

Primary APN	`031-083-004-000`
Alternative APN	`031083004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
Gross Area	1,903 sqft
1st Floor Area	1,723 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1975
Architectural Style	Other
Construction Type	Tilt-Up Concrete
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	031083004
Street Address	40 W 20TH ST
City	MERCED
State	CA
Zip	95340-3903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MERCED LOT 9&10 BLK 119
Legal Subdivision	MERCED
Legal Block	119
Legal Lot Number	9,10 10
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3000
Census Tract	1302

Owner

Source: Merced County records, as of September 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 W 20TH ST, MERCED, CA 95340-3903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Deed of Trust, Mortgage · Reverse Mortgage TRADITIONAL MORTGAGE ACCEPTANCE CORP
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2016 · Amount on Record
Deed Sale	Mar 21, 2016 · Amount on Record
Prior Sale	Nov 4, 2005 · Amount on Record
Deed Document Number	2016-009243
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	40 W 20TH ST, MERCED, CA 95340-3903
Transaction Type	Mortgage
Record Updated	Nov 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 W 20TH ST, MERCED, CA 95340-3903

Mortgage

Document Number	0000045219
Date	Oct 8, 2021
Instrument	2021045219

Lender

Name	TRADITIONAL MORTGAGE ACCEPTANCE CORP
Type	Subprime Lender
Address	BELLEVUE, WA 98004

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	1.95%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year CMT

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	40 W 20TH ST, MERCED, CA 95340-3903
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 W 20TH ST, MERCED, CA 95340-3903

Mortgage

Document Number	0000009195
Date	Mar 1, 2021
Instrument	2021009195

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Nov 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	40 W 20TH ST, MERCED, CA 95340-3903
Document Number	0000032280
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	AMROCK TITLE COMPANY, AMROCK TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 W 20TH ST MERCED CA 953403903, MERCED, CA 95340-3903

Mortgage

Document Number	0000032280
Date	Oct 8, 2019
Instrument	32280

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	40 W 20TH ST, MERCED, CA 95340-3903
Document Number	0000016936
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 9, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 W 20TH ST MERCED CA 953403903, MERCED, CA 95340-3903

Mortgage

Document Number	0000016936
Date	Jun 6, 2018
Instrument	16936

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2048

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

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
2025	$2,112.00 (+7.21%)	$189,400 (+4.04%) Land $53,268 Building $136,132
2023	$1,970.00 (+1.39%)	$182,047 Land $51,200 Building $130,847
2022	$1,943.00

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 Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 59 policies
Nearby Flood Policies	59 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 Risk	Not rated no burnable land within 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 552 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

May also be available: AT&T, Ayera Technologies, GeoLinks, T-Mobile, Verizon.

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