Merced County property record for 4646 Jema Way, Merced, CA 95348
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,418 sqft |
| Lot Size | 0.126 acres (5,465 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $460,000 (May 2026) |
| Tax Bill | $6,410 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jan 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 224-330-062-000 |
| Primary APN | 224-330-062-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 5,465 sqft (0.126 acres) |
|---|---|
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 127 sqft |
| Old Parcel Number | 224-330-062 |
|---|---|
| Street Address | 4646 JEMA WAY |
| City | MERCED |
| State | CA |
| Zip | 95348-9682 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 132 BELLEVUE RANCH WEST, VILLAGE 18A, PH 2 |
| Legal Subdivision | 5394 BELLEVUE RANCH WEST VILLA |
| Legal Lot Number | 132 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1007 |
4646 Jema Way is held in a trust since May 2026.
Source: Merced County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 6852 SPANNER CT, TRACY, CA 95377-8194 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 27, 2026 | Grant Deed · Conventional Mortgage INSPIRE HOME LOANS INC |
| Jan 17, 2024 | Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on File |
| Deed Sale | May 27, 2026 · Amount on File |
| Prior Sale | Jan 17, 2024 · Amount on File |
| Deed Document Number | 202613468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | May 27, 2026 |
| Property Address | 4646 JEMA WAY, MERCED, CA 95348-9682 |
| Document Number | 0000013468 |
| Instrument Date | May 11, 2026 |
| Instrument | 202613468 |
| Record Updated | Jun 23, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $51,106.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6852 SPANNER CT, TRACY, CA 95377-8194 |
| Document Number | 0000013469, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 202613469 |
| Name | INSPIRE HOME LOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Jan 17, 2024 |
| Property Address | 4646 CATHERINE A HOSTETLER BLVD, MERCED, CA 95348-9682 |
| Document Number | 0000001185 |
| Map Reference | VOL 85 PG 24-27 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 2024001185 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2024 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 330 N PALM AVE # 106, 106, FRESNO, CA 93701-1437 |
| Investor | Possibly a Property Investor |
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $471,648 (+2%) Land $124,848 Building $346,800 | |
| 2025 | $6,410.00 (+529.67%) | $462,400 (+899.33%) Land $122,400 Building $340,000 |
| 2024 | $1,018.00 (+99.61%) | |
| 2023 | $510.00 (+75.86%) | $46,271 Land $46,271 |
| 2022 | $290.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4646 Jema Way in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 risk around 4646 Jema Way is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 48% of California |
|---|---|
| Wildfire Likelihood | 0.4% 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 321 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL 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 |
| Cal.net Fixed Wireless | 100 / 20 |
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