423 Ward Rd, Los Banos, CA 93635 Property Records

Merced County property record for 423 Ward Rd, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1996
Lot Size	0.147 acres (6,401 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Dec 2021)
Tax Bill	$4,747 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`428-103-027-000`

Property Details

APN / Parcel Number

Primary APN	`428-103-027-000`
Alternative APN	`428-103-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,786 sqft Living Area
Gross Area	2,266 sqft
1st Floor Area	1,786 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1997
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Tile
Lot Area	6,401 sqft (0.147 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	47 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	428-103-027
Street Address	423 WARD RD
City	LOS BANOS
State	CA
Zip	93635-5441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	JO-LIN PK MAN 1 LOT 95
Legal Subdivision	JO LIN PARK MANOR 01
Legal Lot Number	95
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1016
Census Tract	2306

Owner

423 Ward Rd is owned and occupied by two individuals who bought it in December 2021.

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	2 Individual Names on File
Mailing Address	423 WARD RD, LOS BANOS, CA 93635-5441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on File
Deed Sale	Dec 7, 2021 · Amount on File
Prior Sale	Sep 7, 2011 · Amount on File
Deed Document Number	202154125
Prior Transfer Date	Sep 1, 2011
Prior Transfer Doc	0000033041
Record Updated	Oct 29, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Dec 7, 2021
Property Address	423 WARD RD, LOS BANOS, CA 93635-5441
Document Number	0000054125
Map Reference	MB 40 PG 3-6
Instrument Date	Nov 10, 2021
Instrument	2021054125
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	TRANSCOUNTY 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	423 WARD RD, LOS BANOS, CA 93635-5441

Mortgage

Document Number	0000054126
Date	Dec 7, 2021
Instrument	2021054126

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 423 Ward Rd was $4,747 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		$422,146 (+2%) Land $119,066 Building $303,080
2025	$4,747.00 Homeowner's exemption	$413,870 Land $116,732 Building $297,138
2023	$4,525.00 (+1.82%) Homeowner's exemption	$397,800 Land $112,200 Building $285,600
2022	$4,444.00

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

Flood

FEMA maps place 423 Ward Rd 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 423 Ward Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 763 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 DSL · Fiber, Fixed Wireless in parts of the area	100 / 20