Merced County property record for 497 Lily Dr, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,815 sqft · built 2019 |
| Lot Size | 0.154 acres (6,714 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $440,000 (May 2024) |
| Tax Bill | $6,060 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Nov 2020 Loan Modification + 2 more |
| Flood Zone | Zone AO (high risk) |
| APN | 061-531-053-000 |
| Primary APN | 061-531-053-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,815 sqft Living Area |
| 1st Floor Area | 1,815 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Construction Type | Wood |
| Lot Area | 6,714 sqft (0.154 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 63 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 061-531-053 |
|---|---|
| Street Address | 497 LILY DR |
| City | MERCED |
| State | CA |
| Zip | 95341-7747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | SANDCASTLE SUBDIVISION PHASE 1 LOT 247 |
| Legal Subdivision | SANDCASTLE SUB |
| Legal Lot Number | 247 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 2601 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 497 LILY DR, MERCED, CA 95341-7747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 15, 2022 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Nov 18, 2020 | Loan Modification, Mortgage · FHA Mortgage PENNYMAC |
| Sep 5, 2019 | Grant Deed, Transfer · VA Mortgage SUMMIT FNDG |
| Oct 6, 2017 | Trustee's Deed, Transfer GHPR BUILDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2024 · Amount on Record |
| Deed Sale | May 14, 2024 · Amount on Record |
| Prior Sale | Sep 5, 2019 · Amount on Record |
| Deed Document Number | 202410573 |
| Prior Transfer Date | May 7, 2024 |
| Prior Transfer Doc | 0000010572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 497 LILY DR, MERCED, CA 95341-7747 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 497 LILY DR, MERCED, CA 95341-7747 |
| Document Number | 0000038291 |
|---|---|
| Date | Nov 15, 2022 |
| Instrument | 2022038291 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 14, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 497 LILY DR, MERCED, CA 95341-7747 |
| Document Number | 0000000812 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 497 LILY DR MERCED CA 953417747, MERCED, CA 95341-7747 |
| Document Number | 0000000812 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 812 |
| Name | PENNYMAC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 7, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Sep 5, 2019 |
| Property Address | 497 LILY DR, MERCED, CA 95341-7747 |
| Document Number | 0000027892 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 27892 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 497 LILY DR MERCED CA 953417747, MERCED, CA 95341-7747 |
| Document Number | 27893 |
|---|---|
| Date | Sep 5, 2019 |
| Instrument | 27893 |
| Name | SUMMIT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SACRAMENTO, CA 95815 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 4, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Oct 6, 2017 |
| Property Address | 497 LILY DR, MERCED, CA 95341-7747 |
| Document Number | 0000032678 |
| Instrument Date | Sep 28, 2017 |
| Instrument | 32678 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,336.00 |
| Amount Accuracy | Partial |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Document Number | 32679 |
|---|---|
| Date | Oct 6, 2017 |
| Instrument | 32679 |
| Name | GHPR BUILDERS INC |
|---|---|
| Address | 3202 W MARCH LN # A, STOCKTON, CA 95219-2351 |
| Amount | Amount Recorded |
|---|
Source: Merced County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Municipality | Merced City |
| Secondary School District | Merced Union High School District (09 - 12) |
| Elementary School District | Weaver Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $410,500 (-8.53%) Land $105,000 Building $305,500 | |
| 2025 | $6,060.00 (+34.55%) | $448,800 (+38.29%) Land $107,100 Building $341,700 |
| 2023 | $4,504.00 (+1.53%) | $324,538 Land $52,558 Building $271,980 |
| 2022 | $4,436.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 85 policies |
| Nearby Flood Policies | 85 in force |
| Nearby Flood Claims | 4 (2017–2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 68% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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 362 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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