428 Judy Ct, Merced, CA 95348 Property Records

Merced County property record for 428 Judy Ct, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,071 sqft · built 1977
Lot Size	0.272 acres (11,832 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Dec 2018)
Tax Bill	$4,079 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`236-091-008-000`

Property Details

APN / Parcel Number

Primary APN	`236-091-008-000`
Alternative APN	`236-091-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,071 sqft Living Area
Gross Area	2,611 sqft
1st Floor Area	2,071 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Other
Lot Area	11,832 sqft (0.272 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	99 sqft
Patio Area	418 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	236-091-008
Street Address	428 JUDY CT
City	MERCED
State	CA
Zip	95348-2819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	HEADLINER HMS #4 LOT 107
Legal Subdivision	HEADLINER HOMES 04
Legal Lot Number	107
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3001
Census Tract	1006

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	2 Individual Names on Record
Mailing Address	428 JUDY CT, MERCED, CA 95348-2819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Dec 14, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 15, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
May 22, 2018	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on Record
Deed Sale	Dec 14, 2018 · Amount on Record
Prior Sale	May 22, 2018 · Amount on Record
Deed Document Number	201839856
Last Transfer Date	Nov 12, 2020
Transfer Doc	0000045010
Record Updated	Oct 29, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Nov 25, 2020
Property Address	428 JUDY CT, MERCED, CA 95348-2819
Document Number	0000045010
Map Reference	MB 22 PG 39-43
Instrument Date	Nov 12, 2020
Instrument	2020045010
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN 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	428 JUDY CT, MERCED, CA 95348-2819

Mortgage

Document Number	0000045011
Date	Nov 25, 2020
Instrument	2020045011

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

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

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Dec 14, 2018
Property Address	428 JUDY CT, MERCED, CA 95348-2819
Document Number	0000039856
Map Reference	MB 22 PG 39-43
Instrument Date	Dec 6, 2018
Instrument	2018039856
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	USA NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	428 JUDY CT, MERCED, CA 95348-2819

Mortgage

Document Number	0000039857
Date	Dec 14, 2018
Instrument	2018039857

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	428 JUDY CT, MERCED, CA 95348-2819
Document Number	0000014747
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2015 MANHATTAN BEACH BLVD #100 REDONDO BEACH CA 902781230, 100, REDONDO BEACH, CA 90278-1230

Mortgage

Document Number	0000014747
Date	May 17, 2018
Instrument	14747

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SAN RAMON, CA 94583

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MERCED CA
Recording Date	May 22, 2018
Property Address	428 JUDY CT, MERCED, CA 95348-2819
Document Number	0000015251
Instrument Date	May 8, 2018
Instrument	15251
Transaction Type	Foreclosure
Record Updated	Jun 26, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$256.30
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	428 JUDY CT MERCED CA 953482819, MERCED, CA 95348-2819
Investor	Possibly a Property Investor

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		$374,339 (+2%) Land $73,955 Building $300,384
2025	$4,079.00 (+7.26%)	$367,000 (+4.04%) Land $72,505 Building $294,495
2023	$3,803.00 (+1.33%)	$352,751 Land $69,691 Building $283,060
2022	$3,753.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 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 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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
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, GeoLinks.

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