Merced County property record for 411 M St, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,165 sqft · built 1995 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,196 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Sep 2023 Transfer + 2 more |
| Flood Zone | Zone AO (high risk) |
| APN | 032-221-007-000 |
| Primary APN | 032-221-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,165 sqft Living Area |
| 1st Floor Area | 1,165 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 10,000 sqft (0.23 acres) |
| Porch | Porch |
| Porch Area | 67 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 032-221-007 |
|---|---|
| Street Address | 411 M ST |
| City | MERCED |
| State | CA |
| Zip | 95341-6634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R315 |
| Legal Description | ELLIOT TR POR LOT 16 |
| Legal Subdivision | ELLIOT TR |
| Legal Lot Number | 16 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 1503 |
Source: Merced County records · APN 032-221-007-000
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 | 411 M ST, MERCED, CA 95341-6634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THE GOLDEN 1 CU |
| Sep 01, 2023 | Intrafamily Transfer, Transfer |
| Mar 02, 2022 | Intrafamily Transfer, Transfer |
| Mar 02, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 25, 2023 |
| Transfer Doc | 0000021066 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 411 M ST, MERCED, CA 95341-6634 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 411 M ST, MERCED, CA 95341-6634 |
| Document Number | 0000003322 |
|---|---|
| Date | Feb 11, 2026 |
| Instrument | 2026003322 |
| Name | THE GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Sep 01, 2023 |
| Property Address | 411 M ST, MERCED, CA 95341-6634 |
| Document Number | 0000021066 |
| Map Reference | MB 9 PG 46 |
| Instrument Date | Sep 01, 2023 |
| Instrument | 2023021066 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 411 M ST, MERCED, CA 95341-6634 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 02, 2022 |
| Property Address | 411 M ST, MERCED, CA 95341-6634 |
| Document Number | 0000008999 |
| Map Reference | MB 9 PG 46 |
| Instrument Date | Mar 02, 2022 |
| Instrument | 2022008999 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 384 W EL PORTAL DR, MERCED, CA 95348-2845 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Mar 02, 2022 |
| Property Address | 411 M ST, MERCED, CA 95341-6634 |
| Document Number | 0000008998 |
| Map Reference | MB 9 PG 46 |
| Instrument Date | Mar 02, 2022 |
| Instrument | 2022008998 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 384 W EL PORTAL DR, MERCED, CA 95348-2845 |
Source: Merced County records · Assessment roll updated July 16, 2025 · Last verified August 2026
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $1,196.00 (+5.75%) Homeowner's exemption | $112,554 (+4.04%) Land $9,573 Building $102,981 |
| 2024 | $1,131.00 (+1.53%) | |
| 2023 | $1,114.00 (+1.55%) Homeowner's exemption | $108,185 Land $9,202 Building $98,983 |
| 2022 | $1,097.00 |
Source: FEMA National Flood Hazard Layer as of October 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 63 policies |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 2 (2006–2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| UnWired Broadband Holding Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: Ayera Technologies, California Internet, T-Mobile USA.
Based on FCC filings for 535 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF MERCED serves 96,073 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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