Merced County property record for 431 Denise Dr, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,203 sqft · built 2020 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $347,000 (Nov 2020) |
| Tax Bill | $5,167 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AO (high risk) |
| APN | 061-632-004-000 |
| Primary APN | 061-632-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,203 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 219 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 061-632-004 |
|---|---|
| Street Address | 431 DENISE DR |
| City | MERCED |
| State | CA |
| Zip | 95341-8047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | SANDCASTLE SUBD PHASE 3 LOT 53 |
| Legal Subdivision | SANDCASTLE SUB |
| Legal Lot Number | 53 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 2601 |
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 | 431 DENISE DR, MERCED, CA 95341-8047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 25, 2023 | Deed of Trust, Mortgage · Line of Credit ALLIANT CU |
| Nov 6, 2020 | Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Oct 6, 2017 | Trustee's Deed, Transfer GHPR BUILDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2020 · Amount on Record |
| Deed Sale | Nov 6, 2020 · Amount on Record |
| Prior Sale | Jul 14, 2009 |
| Deed Document Number | 202041093 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 431 DENISE DR, MERCED, CA 95341-8047 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 431 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000025535 |
|---|---|
| Date | Oct 25, 2023 |
| Instrument | 2023025535 |
| Name | ALLIANT CU |
|---|---|
| Type | Credit Union |
| Address | CHICAGO, IL 60666 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Nov 6, 2020 |
| Property Address | 431 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000041093 |
| Map Reference | VOL 72 PG 13-15 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 2020041093 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 431 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000041094 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 2020041094 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Number | 0000041096 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 2020041096 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Oct 6, 2017 |
| Property Address | 431 DENISE DR, MERCED, CA 95341-8047 |
| Document Number | 0000032678 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 32678 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,336.00 |
| Amount Accuracy | Partial |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Document Number | 32679 |
|---|---|
| Date | Oct 6, 2017 |
| Instrument | 32679 |
| Name | GHPR BUILDERS INC |
|---|---|
| Address | 3202 W MARCH LN # A, STOCKTON, CA 95219-2351 |
| Amount | Amount Recorded |
|---|
Source: Merced County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Municipality | Merced City |
| Secondary School District | Merced Union High School District (09 - 12) |
| Elementary School District | Weaver Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $382,782 (+2%) Land $55,203 Building $327,579 | |
| 2025 | $5,167.00 (+7.29%) Homeowner's exemption | $375,277 (+4.04%) Land $54,121 Building $321,156 |
| 2023 | $4,816.00 (+1.47%) Homeowner's exemption | $360,706 Land $52,020 Building $308,686 |
| 2022 | $4,746.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective October 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 85 policies |
| Nearby Flood Policies | 85 in force |
| Nearby Flood Claims | 4 (2017–2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 73% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 362 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 |
| AT&T DSL | 100 / 20 |
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