425 E North Bear Creek Dr, Merced, CA 95340 Property Records

Merced County property record for 425 E North Bear Creek Dr, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,878 sqft · built 1963
Lot Size	0.287 acres (12,481 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Feb 2026)
Tax Bill	$958 (2025)
Deeds & Mortgages	Feb 2026 Sale Jun 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`007-183-014-000`

Property Details

APN / Parcel Number

Primary APN	`007-183-014-000`
Alternative APN	`007-183-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,878 sqft Living Area
Gross Area	2,762 sqft
1st Floor Area	1,878 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Roof Material	Other
Lot Area	12,481 sqft (0.287 acres)
Garage Type	Attached
Garage Area	884 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	007-183-014
Street Address	425 E NORTH BEAR CREEK DR
City	MERCED
State	CA
Zip	95340-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	BEAR CR EST LOT 23
Legal Subdivision	BEAR CR ESTATE
Legal Lot Number	23
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3007
Census Tract	1200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Grant Deed, Transfer STOCKDALE TITLE COMPANY, SOCAL TITLE COMPANY
Jun 29, 2023	Intrafamily Transfer, Transfer
Jun 29, 2023	Affidavit of Death of Joint Tenant, Transfer
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 3, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Aug 1, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Aug 20, 2015 · Amount on Record
Deed Document Number	20264734
Prior Transfer Date	May 18, 2023
Prior Transfer Doc	0000014850
Record Updated	Oct 29, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 26, 2026
Property Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443
Document Number	0000004734
Map Reference	VOL 14 PG 10
Instrument Date	Feb 6, 2026
Instrument	2026004734
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	STOCKDALE TITLE COMPANY, SOCAL TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jun 29, 2023
Property Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443
Document Number	0000014850
Map Reference	VOL 14 PG 10
Instrument Date	May 18, 2023
Instrument	2023014850
Transaction Type	Transfer
Record Updated	Jul 24, 2023

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
Relationship	Living Trust
Address	425 E BEAR BEAR CREEK DRIVE, MERCED, CA 95340

June 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MERCED CA
Recording Date	Jun 29, 2023
Property Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443
Document Number	0000014849
Map Reference	VOL 14 PG 10
Instrument Date	May 18, 2023
Instrument	2023014849
Transaction Type	Transfer
Record Updated	Jul 24, 2023

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	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443

Mortgage

Document Number	0000006511
Date	Feb 10, 2021
Instrument	2021006511

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2031

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004046
Date	Feb 3, 2017
Instrument	2017-004046

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2032

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	425 E NORTH BEAR CREEK DR, MERCED, CA 95340-2443
Document Number	0000026277
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	425 E NORTH BEAR CREEK DR MERCED CA 953402443, MERCED, CA 95340-2443

Mortgage

Document Number	0000026277
Date	Aug 16, 2017
Instrument	26277

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 15, 2032

Tax Assessment & Valuation

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$265,638 (+2%) Land $54,333 Building $211,305
2025	$958.00 (+3.12%) Veteran's exemption	$260,430 (+4.04%) Land $53,268 Building $207,162
2024	$929.00 (-4.62%)
2023	$974.00 (-6.79%) Disabled Person's exemption Veteran's exemption	$250,318 Land $51,200 Building $199,118
2022	$1,045.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force

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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 497 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

May also be available: AT&T, Ayera Technologies.

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