427 Gwinn St, Planada, CA 95365 Property Records

Merced County property record for 427 Gwinn St, Planada, CA 95365

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,512 sqft · built 1947
Lot Size	0.123 acres (5,347 sqft)
Owner	Individual Name on File
Last Sale	$270,500 (Jul 2023)
Tax Bill	$3,372 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone AH (high risk)
APN	`037-051-005-000`

Property Details

APN / Parcel Number

Primary APN	`037-051-005-000`
Alternative APN	`037-051-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	1,080 sqft
1st Floor Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1966
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	5,347 sqft (0.123 acres)
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	25 sqft
Patio Area	1,014 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Old Parcel Number	037-051-005
Street Address	427 GWINN ST
City	PLANADA
State	CA
Zip	95365-9127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PLANADA LOT 14 BLK 1
Legal Subdivision	PLANADA
Legal Block	1
Legal Lot Number	14
Jurisdiction	MERCED CA
Township / Civil Division	PLANADA-LE GRAND
Census Block Group	2
Census Block	2002
Census Tract	1901

Owner

427 Gwinn St is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	427 GWINN ST, PLANADA, CA 95365-9127
Occupancy	Owner Occupied
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
Jul 24, 2023	Grant Deed, Transfer · FHA Mortgage GOLDEN EMPIRE MORTGAGE INC
Jul 1, 2022	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 1, 2022	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jul 1, 2022	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2023 · Amount on File
Deed Sale	Jul 24, 2023 · Amount on File
Prior Sale	Jul 1, 2022 · Amount on File
Deed Document Number	202317002
Prior Transfer Date	Jun 24, 2022
Prior Transfer Doc	0000025049
Record Updated	Oct 29, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 24, 2023
Property Address	427 GWINN ST, PLANADA, CA 95365-9127
Document Number	0000017002
Map Reference	MB 4 PG 44
Instrument Date	Jul 7, 2023
Instrument	2023017002
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	FIRST AMERICAN 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
Address	405 G ST, WATERFORD, CA 95386-9177

Mortgage

Document Number	0000017003
Date	Jul 24, 2023
Instrument	2023017003

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0000017004
Date	Jul 24, 2023
Instrument	2023017004

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 1, 2022
Property Address	427 GWINN ST, PLANADA, CA 95365-9127
Document Number	0000025050
Map Reference	MB 4 PG 44
Instrument Date	Jun 28, 2022
Instrument	2022025050
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Address	427 GWINN ST, PLANADA, CA 95365-9127

Mortgage

Document Number	0000025051
Date	Jul 1, 2022
Instrument	2022025051

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

July 2022: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MERCED CA
Recording Date	Jul 1, 2022
Property Address	427 GWINN ST, PLANADA, CA 95365-9127
Document Number	0000025049
Map Reference	MB 4 PG 44
Instrument Date	Jun 21, 2022
Instrument	2022025049
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	2087 PATTY DR, MERCED, CA 95341-7505

July 2022: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MERCED CA
Recording Date	Jul 1, 2022
Property Address	427 GWINN ST, PLANADA, CA 95365-9127
Document Number	0000025048
Map Reference	MB 4 PG 44
Instrument Date	Jun 21, 2022
Instrument	2022025048
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	2087 PATTY DR, MERCED, CA 95341-7505

Tax Assessment & Valuation

The 2025 property tax bill for 427 Gwinn St was $3,372.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Secondary School District	Le Grand Union High School District (09 - 12)
Elementary School District	Planada Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$281,324 (+2%) Land $78,030 Building $203,294
2025	$3,372.00	$275,808 Land $76,500 Building $199,308
2023	$3,673.00 (+766.27%)	$300,000 Land $75,000 Building $225,000
2022	$424.00

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

Flood

FEMA maps place 427 Gwinn St in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	231.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 68 policies
Nearby Flood Policies	68 in force
Nearby Flood Claims	29 (2023–2026)
Most Recent Claim	Jan 2026 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 28 claims

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

Wildfire risk around 427 Gwinn St is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.1% 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	PLANADA CSD serves 4,164 people · EPA ID CA2410007
Water Source	Groundwater
Last State Inspection	Dec 2023
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 currently in violation since 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 97 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
Ayera Technologies Fixed Wireless	120 / 40
Cal.net Fixed Wireless	100 / 20

May also be available: GeoLinks.

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