409 Citrus Ave, Los Banos, CA 93635 Property Records

Merced County property record for 409 Citrus Ave, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,145 sqft · built 1964
Lot Size	0.141 acres (6,137 sqft)
Owner	Individual Name on File
Last Sale	$139,000 (Nov 2014)
Tax Bill	$1,753 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082-094-002-000`

Property Details

APN / Parcel Number

Primary APN	`082-094-002-000`
Alternative APN	`082-094-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,145 sqft Living Area
Gross Area	1,545 sqft
1st Floor Area	1,145 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	6,137 sqft (0.141 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	082-094-002
Street Address	409 CITRUS AVE
City	LOS BANOS
State	CA
Zip	93635-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CIT TER #1 LOT 61
Legal Subdivision	CIT TERRACE 01
Legal Lot Number	61
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	3
Census Block	3018
Census Tract	2203

Owner

409 Citrus Ave is owned and occupied by an individual who bought it in November 2014.

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

Owner of Record	Individual Name on File
Mailing Address	409 CITRUS AVE, LOS BANOS, CA 93635-3102
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Jan 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage ALLIANCE FINANCIAL RESOURCES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2014 · Amount on File
Deed Sale	Nov 24, 2014 · Amount on File
Prior Sale	Mar 11, 2008 · Amount on File
Deed Document Number	201436942
Prior Transfer Date	Nov 19, 2014
Prior Transfer Doc	0000036943
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	409 CITRUS AVE, LOS BANOS, CA 93635-3102
Transaction Type	Mortgage
Record Updated	Jun 1, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 KIWI ST, LOS BANOS, CA 93635-3127

Mortgage

Document Number	0000019075
Date	Apr 28, 2021
Instrument	2021019075

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	409 CITRUS AVE, LOS BANOS, CA 93635-3102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003083
Date	Jan 31, 2018
Instrument	2018003083

Lender

Name	ALLIANCE FINANCIAL RESOURCES LLC
Type	Mortgage Company
Address	PHOENIX, AZ 85054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 409 Citrus Ave was $1,753 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	Los Banos City
Unified School District	Los Banos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$170,389 (+2%) Land $49,031 Building $121,358
2025	$1,753.00 Homeowner's exemption	$167,049 Land $48,070 Building $118,979
2023	$1,675.00 (+1.64%) Homeowner's exemption	$160,564 Land $46,204 Building $114,360
2022	$1,648.00

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

Flood

FEMA maps place 409 Citrus Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 409 Citrus Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 LOS BANOS serves 48,896 people · EPA ID CA2410005
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 798 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
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Verizon.

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