4430 Andrea Dr, Merced, CA 95348 Property Records

Merced County property record for 4430 Andrea Dr, Merced, CA 95348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 2021
Lot Size	0.127 acres (5,522 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jan 2023)
Tax Bill	$6,680 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`224-250-027-000`

Property Details

APN / Parcel Number

Primary APN	`224-250-027-000`
Alternative APN	`224-250-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,616 sqft Living Area
1st Floor Area	1,616 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,522 sqft (0.127 acres)
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	224-250-027
Street Address	4430 ANDREA DR
City	MERCED
State	CA
Zip	95348-9670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 163 BELLEVUE RANCH WEST VILLAGE 12 PH 4
Legal Subdivision	5362 BELLEVUE RANCH WEST VILLA
Legal Lot Number	163
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1000
Census Tract	1007

Owner

4430 Andrea Dr is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4430 ANDREA DR, MERCED, CA 95348-9670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2023 · Amount on File
Deed Sale	Jan 24, 2023 · Amount on File
Deed Document Number	20231440
Record Updated	Oct 29, 2026

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jan 24, 2023
Property Address	4430 ANDREA DR, MERCED, CA 95348-9670
Document Number	0000001440
Map Reference	MB 80 PG 41-44
Instrument Date	Dec 30, 2022
Instrument	2023001440
Transaction Type	Transfer
Record Updated	Feb 17, 2023
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
Relationship	Joint Tenants
Address	4430 ANDREA DR, MERCED, CA 95348-9670

Mortgage

Document Number	0000001441
Date	Jan 24, 2023
Instrument	2023001441

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	12%
Index	1-Year T-Bill
Margin	3
Max Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 4430 Andrea Dr was $6,680.

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		$451,000 (-7.77%) Land $120,000 Building $331,000
2025	$6,680.00	$488,988 Land $109,242 Building $379,746
2023	$5,805.00 (+219.83%)	$429,099 Land $64,099 Building $365,000
2022	$1,815.00

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

Flood

FEMA maps place 4430 Andrea Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 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

Wildfire risk around 4430 Andrea Dr is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.3% 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	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 790 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Cal.net Fixed Wireless	100 / 20