515 Bluff Dr, Los Banos, CA 93635 Property Records

Merced County property record for 515 Bluff Dr, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,735 sqft · built 1989
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$499,000 (Oct 2019)
Tax Bill	$6,247 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Oct 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`431-200-028-000`

Property Details

APN / Parcel Number

Primary APN	`431-200-028-000`
Alternative APNs	`083290028000` `431-200-028`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,735 sqft Living Area
Gross Area	1,928 sqft
1st Floor Area	1,399 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Construction Type	Wood
Roof Material	Other
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	49 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	431-200-028
Street Address	515 BLUFF DR
City	LOS BANOS
State	CA
Zip	93635-5119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	CRESTHILLS #1 LOT 26
Legal Subdivision	CRESTHILLS 01
Legal Lot Number	26
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	2
Census Block	2003
Census Tract	2301

Owner

Source: Merced County records, as of May 6, 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	515 BLUFF DR, LOS BANOS, CA 93635-5119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2019	Grant Deed, Transfer · Commercial Mortgage FREEDOM MORTGAGE CORP
Oct 10, 2019	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO
Aug 29, 2017	Grant Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2019 · Amount on Record
Deed Sale	Oct 10, 2019 · Amount on Record
Prior Sale	Aug 29, 2017 · Amount on Record
Deed Document Number	201932902
Prior Transfer Date	Oct 5, 2019
Prior Transfer Doc	0000032903
Record Updated	Sep 20, 2026

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Oct 10, 2019
Property Address	515 BLUFF DR, LOS BANOS, CA 93635-5119
Document Number	0000032902
Map Reference	VOL 33 PG 46-51
Instrument Date	Oct 8, 2019
Instrument	2019032902
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ORANGE COAST TITLE COMPANY

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
Relationship	Joint Tenants
Address	515 BLUFF DR, LOS BANOS, CA 93635-5119

Mortgage

Document Number	0000032905
Date	Oct 10, 2019
Instrument	2019032905

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Oct 10, 2019
Property Address	515 BLUFF DR, LOS BANOS, CA 93635-5119
Document Number	0000032903
Instrument Date	Oct 5, 2019
Instrument	32903
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	515 BLUFF DR LOS BANOS CA 936355119, LOS BANOS, CA 93635-5119

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 29, 2017
Property Address	515 BLUFF DR, LOS BANOS, CA 93635-5119
Document Number	0000027812
Instrument Date	Aug 22, 2017
Instrument	27812
Transaction Type	Transfer
Record Updated	Sep 28, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$492.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 BLUFF DR LOS BANOS CA 936355119, LOS BANOS, CA 93635-5119

Mortgage

Document Number	27813
Date	Aug 29, 2017
Instrument	27813

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 16, 2025

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Los Banos City
Unified School District	Los Banos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,247.00 (+5.15%)	$545,723 (+4.04%) Land $92,956 Building $452,767
2023	$5,941.00 (+1.78%)	$524,535 Land $89,348 Building $435,187
2022	$5,837.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% 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 LOS BANOS serves 48,896 people · EPA ID CA2410005
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 418 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, Verizon.

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