432 W 25th St, Merced, CA 95340 Property Records

Merced County property record for 432 W 25th St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 773 sqft · built 1926
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Feb 2024)
Tax Bill	$2,817 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone AH (high risk)
APN	`030-104-005-000`

Property Details

APN / Parcel Number

Primary APN	`030-104-005-000`
Alternative APN	`030-104-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	773 sqft Living Area
1st Floor Area	773 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1946
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	7,500 sqft (0.172 acres)
Porch	Porch
Porch Area	77 sqft
Patio Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	030-104-005
Street Address	432 W 25TH ST
City	MERCED
State	CA
Zip	95340-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	MERCED LOT 4 BLK 39
Legal Subdivision	MERCED
Legal Block	39
Legal Lot Number	4
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1017
Census Tract	1302

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	432 W 25TH ST, MERCED, CA 95340-2822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRI COUNTIES BANK
Feb 9, 2024	Grant Deed, Transfer · Conventional Mortgage TRI COUNTIES BANK
May 16, 2019	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2024 · Amount on Record
Deed Sale	Feb 9, 2024 · Amount on Record
Prior Sale	May 16, 2019 · Amount on Record
Deed Document Number	20243069
Prior Transfer Date	Jul 11, 2012
Prior Transfer Doc	0000027745
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	432 W 25TH ST, MERCED, CA 95340-2822
Transaction Type	Mortgage
Record Updated	Mar 15, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1848 ASHBY RD 18, 18, MERCED, CA 95348-4004

Mortgage

Document Number	0000003072
Date	Feb 9, 2024
Instrument	2024003072

Lender

Name	TRI COUNTIES BANK
Type	Bank
Address	CHICO, CA 95973

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Apr 8, 2054

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 9, 2024
Property Address	432 W 25TH ST, MERCED, CA 95340-2822
Document Number	0000003069
Map Reference	MB 1 PG 12
Instrument Date	Jan 23, 2024
Instrument	2024003069
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	TRANSCOUNTY TITLE COMPANY

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	432 W 25TH ST, MERCED, CA 95340-2822

Mortgage

Document Number	0000003070
Date	Feb 9, 2024
Instrument	2024003070

Lender

Name	TRI COUNTIES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0000003071
Date	Feb 9, 2024
Instrument	2024003071

Lender

Name	TRI COUNTIES BANK
Type	Bank
Address	CHICO, CA 95973

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2029

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	May 16, 2019
Property Address	432 W 25TH ST, MERCED, CA 95340-2822
Document Number	0000014035
Instrument Date	May 8, 2019
Instrument	14035
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 BELLEROSE DR #2 SAN JOSE CA 951281452, 2, SAN JOSE, CA 95128-1452

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		$265,302 (+2%) Land $98,838 Building $166,464
2025	$2,817.00 (+61.71%) Homeowner's exemption	$260,100 (+61.72%) Land $96,900 Building $163,200
2023	$1,742.00 (+1.4%)	$160,829 Land $64,331 Building $96,498
2022	$1,718.00

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 AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	174.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 64 policies
Nearby Flood Policies	64 in force
Nearby Flood Claims	2 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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
T-Mobile Fixed Wireless	100 / 20

May also be available: Ayera Technologies, GeoLinks.

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