427 3rd St, Los Banos, CA 93635 Property Records

Merced County property record for 427 3rd St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 692 sqft · built 1986
Lot Size	0.043 acres (1,875 sqft)
Owner	Company Name on Record
Tax Bill	$519 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`025-031-002-000`

Property Details

APN / Parcel Number

Primary APN	`025-031-002-000`
Alternative APN	`025-031-002`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	692 sqft Living Area
1st Floor Area	692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	1,875 sqft (0.043 acres)
Porch	Porch
Porch Area	12 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	025-031-002
Street Address	427 3RD ST
City	LOS BANOS
State	CA
Zip	93635-3622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOS BANOS POR LOT 32 BLK 22
Legal Subdivision	LOS BANOS
Legal Block	22
Legal Lot Number	32
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1000
Census Tract	2201

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	Company Name on Record
Mailing Address	427 3RD ST, LOS BANOS, CA 93635-3622
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 2, 2019
Transfer Doc	0000041231
Record Updated	Oct 29, 2026

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Dec 6, 2019
Property Address	427 3RD ST, LOS BANOS, CA 93635-3622
Document Number	0000041231
Map Reference	VOL 2 PG 21
Instrument Date	Dec 2, 2019
Instrument	2019041231
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY 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
Relationship	Joint Tenants
Address	427 3RD ST, LOS BANOS, CA 93635-3622

Mortgage

Document Number	0000041232
Date	Dec 6, 2019
Instrument	2019041232

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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		$54,588 (+2%) Land $14,776 Building $39,812
2025	$519.00 (+5.06%) Homeowner's exemption	$53,519 (+4.04%) Land $14,487 Building $39,032
2023	$494.00 (+2.07%) Homeowner's exemption	$51,442 Land $13,925 Building $37,517
2022	$484.00

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20