Merced County property record for 405 Denise Dr, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,796 sqft · built 2020 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $435,000 (Aug 2025) |
| Tax Bill | $5,796 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Mar 2023 Transfer + 3 more |
| Flood Zone | Zone AO (high risk) |
| APN | 061-632-002-000 |
| Primary APN | 061-632-002-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,796 sqft Living Area |
| 1st Floor Area | 1,796 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 061-632-002 |
|---|---|
| Street Address | 405 DENISE DR |
| City | MERCED |
| State | CA |
| Zip | 95341-8047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | SANDCASTLE SUBD PHASE 3 LOT 55 |
| Legal Subdivision | SANDCASTLE SUB |
| Legal Lot Number | 55 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 2601 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Aug 22, 2025 | Grant Deed, Subdivision Related Transfer · FHA Mortgage NEXA MORTGAGE LLC |
| Mar 16, 2023 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Mar 16, 2023 | Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Sep 24, 2020 | Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC |
| Oct 6, 2017 | Trustee's Deed, Transfer GHPR BUILDERS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2025 · Amount on Record |
| Deed Sale | Aug 22, 2025 · Amount on Record |
| Prior Sale | Dec 17, 2024 · Amount on Record |
| Deed Document Number | 202522652 |
| Prior Transfer Date | Dec 13, 2024 |
| Prior Transfer Doc | 0000029819 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Aug 22, 2025 |
| Property Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000022652 |
| Map Reference | VOL 72 PG 13-15 |
| Instrument Date | Aug 11, 2025 |
| Instrument | 2025022652 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | UNKNOWN, USA NTC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000022653 |
|---|---|
| Date | Aug 22, 2025 |
| Instrument | 2025022653 |
| Name | NEXA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 16, 2023 |
| Property Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000005897 |
| Map Reference | VOL 72 PG 13-15 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 2023005897 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 16, 2023 |
| Property Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000005898 |
| Map Reference | VOL 72 PG 13-15 |
| Instrument Date | Feb 17, 2023 |
| Instrument | 2023005898 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Investor | Possibly a Property Investor |
| Document Number | 0000005899 |
|---|---|
| Date | Mar 16, 2023 |
| Instrument | 2023005899 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Sep 24, 2020 |
| Property Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000034106 |
| Map Reference | VOL 72 PG 13-15 |
| Instrument Date | Sep 8, 2020 |
| Instrument | 2020034106 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000034107 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2020034107 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Oct 6, 2017 |
| Property Address | 405 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000032678 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 32678 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,336.00 |
| Amount Accuracy | Partial |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Document Number | 32679 |
|---|---|
| Date | Oct 6, 2017 |
| Instrument | 32679 |
| Name | GHPR BUILDERS INC |
|---|---|
| Address | 3202 W MARCH LN # A, STOCKTON, CA 95219-2351 |
| Amount | Amount Recorded |
|---|
Source: Merced County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Municipality | Merced City |
| Secondary School District | Merced Union High School District (09 - 12) |
| Elementary School District | Weaver Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $435,000 (+2.35%) Land $105,000 Building $330,000 | |
| 2025 | $5,796.00 (+28.51%) | $425,000 (+27.98%) Land $105,000 Building $320,000 |
| 2023 | $4,510.00 (+1.55%) Homeowner's exemption | $332,095 Land $52,020 Building $280,075 |
| 2022 | $4,441.00 |
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 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 85 policies |
| Nearby Flood Policies | 85 in force |
| Nearby Flood Claims | 4 (2017–2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 45% of the US · lower than 73% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 362 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 |
| AT&T DSL | 100 / 20 |
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