45 W 23rd St, Merced, CA 95340 Property Records

Merced County property record for 45 W 23rd St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 905 sqft · built 1948
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$129,000 (Feb 2018)
Tax Bill	$1,640 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-204-003-000`

Property Details

APN / Parcel Number

Primary APN	`030-204-003-000`
Alternative APN	`030-204-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	905 sqft Living Area
Gross Area	1,169 sqft
1st Floor Area	905 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	35 sqft
Patio Area	227 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	030-204-003
Street Address	45 W 23RD ST
City	MERCED
State	CA
Zip	95340-3908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	MERCED BLK 21&22 BLK 47
Legal Subdivision	MERCED
Legal Block	21,22
Legal Lot Number	21,22
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2019
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	1324 W 20TH ST, MERCED, CA 95340-3404
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Feb 26, 2018	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Apr 22, 2008 · Amount on Record
Deed Document Number	20185575
Prior Transfer Date	Feb 8, 2010
Prior Transfer Doc	0000006833
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	45 W 23RD ST, MERCED, CA 95340-3908
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 W 20TH ST, MERCED, CA 95340-3404

Mortgage

Document Number	0000028282
Date	Jun 25, 2021
Instrument	2021028282

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 26, 2018
Property Address	45 W 23RD ST, MERCED, CA 95340-3908
Document Number	0000005575
Map Reference	VOL 2 PG 12
Instrument Date	Feb 8, 2018
Instrument	2018005575
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ORANGE COAST TITLE COMPANY O

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
Address	1324 W 20TH ST, MERCED, CA 95340-3404

Mortgage

Document Number	0000005576
Date	Feb 26, 2018
Instrument	2018005576

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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		$149,710 (+2%) Land $52,224 Building $97,486
2025	$1,640.00 (+7.19%)	$146,775 (+4.04%) Land $51,200 Building $95,575
2023	$1,530.00 (+1.46%)	$141,077 Land $49,213 Building $91,864
2022	$1,508.00

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
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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 552 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
Cal.net Fixed Wireless	100 / 20

May also be available: AT&T, Ayera Technologies, GeoLinks, T-Mobile, Verizon.

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