411 Bluff Ct, Los Banos, CA 93635 Property Records

Merced County property record for 411 Bluff Ct, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,866 sqft · built 1990
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$701,000 (Mar 2024)
Tax Bill	$8,087 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`431-192-020-000`

Property Details

APN / Parcel Number

Primary APN	`431-192-020-000`
Alternative APNs	`083282020000` `431-192-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,866 sqft Living Area
Gross Area	2,406 sqft
1st Floor Area	1,689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	717 sqft
Parking Spaces	2 Parking Spaces
Patio Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	431-192-020
Street Address	411 BLUFF CT
City	LOS BANOS
State	CA
Zip	93635-5117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	CRESTHILLS #1 LOT 19
Legal Subdivision	CRESTHILLS 01
Legal Lot Number	19
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	2
Census Block	2003
Census Tract	2301

Owner

411 Bluff Ct is owned by two individuals who bought it in March 2024.

Source: Merced County records, as of September 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2476 AMARYL DR, SAN JOSE, CA 95132-2601
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
Mar 27, 2024	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Mar 27, 2024	Affidavit of Death of Joint Tenant, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Mar 27, 2024	Grant Deed, Transfer · Conventional Mortgage NMSI INC
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTELLILOAN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2024 · Amount on File
Deed Sale	Mar 27, 2024 · Amount on File
Deed Document Number	20246890
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Mar 27, 2024
Property Address	411 BLUFF CT, LOS BANOS, CA 93635-5117
Document Number	0000006891
Map Reference	MB 33 PG 46
Instrument Date	Mar 22, 2024
Instrument	2024006891
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	2476 AMARYL DRIVE, ALISO VIEJO, CA 92656

March 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MERCED CA
Recording Date	Mar 27, 2024
Property Address	411 BLUFF CT, LOS BANOS, CA 93635-5117
Document Number	0000006889
Map Reference	MB 33 PG 46
Instrument Date	Mar 9, 2024
Instrument	2024006889
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	1634 OCEANIA DR S UNIT 101, 101, NAPLES, FL 34113-8697

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Mar 27, 2024
Property Address	411 BLUFF CT, LOS BANOS, CA 93635-5117
Document Number	0000006890
Map Reference	MB 33 PG 46
Instrument Date	Mar 7, 2024
Instrument	2024006890
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	411 BLUFF CT, LOS BANOS, CA 93635-5117

Mortgage

Document Number	0000006892
Date	Mar 27, 2024
Instrument	2024006892

Lender

Name	NMSI INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	411 BLUFF CT, LOS BANOS, CA 93635-5117
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 BLUFF CT, LOS BANOS, CA 93635-5117

Mortgage

Document Number	0000050901
Date	Nov 15, 2021
Instrument	2021050901

Lender

Name	INTELLILOAN INC
Type	Mortgage Company
Address	SANTA ANA, CA 92799

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 411 Bluff Ct was $8,087, up 30.6% from the year before.

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		$590,500 (-17.41%) Land $140,000 Building $450,500
2025	$8,087.00 (+30.63%)	$715,020 Land $137,700 Building $577,320
2024	$6,191.00 (+6.08%)
2023	$5,836.00 (+1.81%) Homeowner's exemption	$521,878 Land $118,740 Building $403,138
2022	$5,732.00

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

Flood

FEMA maps place 411 Bluff Ct 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

Wildfire risk around 411 Bluff Ct is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 204 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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