400 M St, Merced, CA 95341 Property Records

Merced County property record for 400 M St, Merced, CA 95341 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 891 sqft · built 1951
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,223 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jul 2023 Transfer + 5 more
Flood Zone	Zone AO (high risk)
APN	`032-222-025-000`

Property Details

APN / Parcel Number

Primary APN	`032-222-025-000`
Alternative APN	`032-222-025`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	891 sqft Living Area
Gross Area	1,171 sqft
1st Floor Area	891 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1991
Architectural Style	L-Shape
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Other
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	95 sqft
Patio Area	95 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	032-222-025
Street Address	400 M ST
City	MERCED
State	CA
Zip	95341-6635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELLIOT TR POR LOTS 27 & 28
Legal Subdivision	ELLIOT TR
Legal Lot Number	27,28
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2019
Census Tract	1601

Owner

Source: Merced County records · APN 032-222-025-000

Assessment roll updated July 16, 2025 · Last verified August 2026

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 File
Mailing Address	400 M ST, MERCED, CA 95341-6635
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Jul 03, 2023	Intrafamily Transfer, Transfer TRANSCOUNTY TITLE COMPANY
Jul 03, 2023	Intrafamily Transfer, Transfer TRANSCOUNTY TITLE COMPANY
Jul 03, 2023	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 03, 2023	Intrafamily Transfer, Transfer TRANSCOUNTY TITLE COMPANY
Feb 24, 2023	Grant Deed, Transfer TRANSCOUNTY TITLE COMPANY
Feb 24, 2023	Intrafamily Transfer, Transfer TRANSCOUNTY TITLE COMPANY
Feb 23, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 03, 2023
Deed Sale	Jul 03, 2023
Prior Sale	Jul 03, 2023 · Amount on Record
Deed Document Number	202315157
Prior Transfer Date	Feb 17, 2023
Prior Transfer Doc	0000004253
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jul 03, 2023
Property Address	400 M ST, MERCED, CA 95341-6635
Document Number	0000015157
Map Reference	MB 9 PG 46
Instrument Date	Jul 01, 2023
Instrument	2023015157
Transaction Type	Transfer
Record Updated	Aug 07, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 BARNEY ST, MERCED, CA 95340-4041

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jul 03, 2023
Property Address	400 M ST, MERCED, CA 95341-6635
Document Number	0000015156
Map Reference	MB 9 PG 46
Instrument Date	Jul 01, 2023
Instrument	2023015156
Transaction Type	Transfer
Record Updated	Aug 07, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 M ST, MERCED, CA 95341-6635

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 03, 2023
Property Address	400 M ST, MERCED, CA 95341-6635
Document Number	0000015155
Map Reference	MB 9 PG 46
Instrument Date	Jun 21, 2023
Instrument	2023015155
Transaction Type	Transfer
Record Updated	Aug 07, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	400 M ST, MERCED, CA 95341-6635

Mortgage

Document Number	0000015158
Date	Jul 03, 2023
Instrument	2023015158

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2053

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jul 03, 2023
Property Address	400 M ST, MERCED, CA 95341-6635
Document Number	0000015154
Map Reference	MB 9 PG 46
Instrument Date	Jun 21, 2023
Instrument	2023015154
Transaction Type	Transfer
Record Updated	Aug 07, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1169, ATWATER, CA 95301-1169

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 24, 2023
Property Address	400 M ST, MERCED, CA 95341-6635
Document Number	0000004254
Map Reference	MB 9 PG 46
Instrument Date	Feb 22, 2023
Instrument	2023004254
Transaction Type	Transfer
Record Updated	Apr 04, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1169, ATWATER, CA 95301-1169

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Feb 24, 2023
Property Address	400 M ST, MERCED, CA 95341-6635
Document Number	0000004253
Map Reference	MB 9 PG 46
Instrument Date	Feb 22, 2023
Instrument	2023004253
Transaction Type	Transfer
Record Updated	Apr 04, 2023
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4764 HUTCHINSON LN, MERCED, CA 95348-8520

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Feb 23, 2023
Property Address	400 M ST, MERCED, CA 95341-6635
Document Number	0000004030
Map Reference	MB 9 PG 46
Instrument Date	Feb 22, 2023
Instrument	2023004030
Transaction Type	Transfer
Record Updated	Mar 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4764 HUTCHINSON LN, MERCED, CA 95348-8520

Tax Assessment & Valuation

Source: Merced County records · Assessment roll updated July 16, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2025	$3,223.00 (+5.74%)	$288,660 (+19.64%) Land $86,700 Building $201,960
2024	$3,048.00 (+16.42%)
2023	$2,618.00 (+4.43%)	$241,270 Land $130,357 Building $110,913
2022	$2,507.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Merced County (06047C), updated October 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060470016012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AO sheet flow 1–3 ft
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 27 individual NFIP policies nearby
Nearby Flood Policies	27 in force
Nearby Flood Claims	2 (2006–2012)
Most Recent Claim	Jun 2012, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 535 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
UnWired Broadband Holding	Fixed Wireless (unlicensed)	400 / 50
Verizon	Fixed Wireless	300 / 20
Cal.net	Fixed Wireless (licensed-by-rule)	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Ayera Technologies, T-Mobile USA, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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