439 W 15th St, Merced, CA 95340 Property Records

Merced County property record for 439 W 15th St, Merced, CA 95340

Property Summary

Property Type	Commercial
Lot Size	1.3 acres (56,628 sqft)
Owner	Company Name on Record
Last Sale	$4,488,000 (Jan 2022)
Tax Bill	$52,759 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2022 Mortgage + 3 more
Flood Zone	Zone AO (high risk)
APN	`031-360-047-000`

Property Details

APN / Parcel Number

Primary APN	`031-360-047-000`
Alternative APN	`031360047`

Exterior

Lot Area	56,628 sqft (1.3 acres)

Location & Zoning

Old Parcel Number	031360047
Street Address	439 W 15TH ST
City	MERCED
State	CA
Zip	95340-6011
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PARCEL 3 PM 75-34 SEC 30/7/14
Legal Range	14
Legal Township	07
Legal Section	30
Legal Subdivision	SOUTHERN PACIFIC TRANSPORTATIO
Legal Lot Number	3
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3028
Census Tract	1302

Owner

Source: Merced County records, as of September 22, 2025

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	PO BOX 5221, MODESTO, CA 95352-5221
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF STOCKTON
Aug 26, 2022	Deed of Trust, Mortgage BANK OF STOCKTON
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF STOCKTON
Jan 6, 2022	Grant Deed, Transfer NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC
Sep 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage FARMERS & MERCHANTS BANK OF CENTRAL CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on Record
Deed Sale	Jan 6, 2022 · Amount on Record
Prior Sale	Feb 8, 2012
Deed Document Number	2022001653
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	439 W 15TH ST, MERCED, CA 95340-6011
Transaction Type	Mortgage
Record Updated	Oct 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 SCENIC DR, MODESTO, CA 95355-4773

Mortgage

Document Number	0000030812
Date	Aug 26, 2022
Instrument	2022030812

Lender

Name	BANK OF STOCKTON
Type	Bank
Address	STOCKTON, CA 95201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	439 W 15TH ST, MERCED, CA 95340-6011
Transaction Type	Mortgage
Record Updated	Oct 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 SCENIC DR, MODESTO, CA 95355-4773

Mortgage

Document Number	0000030814
Date	Aug 26, 2022
Instrument	2022030814

Lender

Name	BANK OF STOCKTON
Type	Bank
Address	STOCKTON, CA 95201

Agreement

Amount	Amount Recorded

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	439 W 15TH ST, MERCED, CA 95340-6011
Transaction Type	Mortgage
Record Updated	Oct 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 SCENIC DR, MODESTO, CA 95355-4773

Mortgage

Document Number	0000030816
Date	Aug 26, 2022
Instrument	2022030816

Lender

Name	BANK OF STOCKTON
Type	Bank
Address	STOCKTON, CA 95201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jan 6, 2022
Property Address	439 W 15TH ST, MERCED, CA 95340-6011
Document Number	0000001653
Map Reference	MB 75PG 33&34
Instrument Date	Dec 28, 2021
Instrument	2022001653
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
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	PO BOX 5221, MODESTO, CA 95352-5221

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	439 W 15TH ST, MERCED, CA 95340-6011
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 MILLBROOK AVE, MODESTO, CA 95355-9424

Mortgage

Document Number	0000043328
Date	Sep 29, 2021
Instrument	2021043328

Lender

Name	FARMERS & MERCHANTS BANK OF CENTRAL CA
Type	Bank
Address	LODI, CA 95241

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

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
2025	$52,759.00 (+7.27%)	$4,762,700 (+4.04%) Land $657,948 Building $4,104,752
2023	$49,182.00 (+50.58%)	$4,577,760 Land $632,400 Building $3,945,360
2022	$32,662.00

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 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 59 policies
Nearby Flood Policies	59 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	Not rated no burnable land within 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
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: GeoLinks.

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