520 W Main St, Merced, CA 95340 Property Records

Merced County property record for 520 W Main St, Merced, CA 95340

Property Summary

Property Type	Commercial
Details	7,500 sqft · built 1930
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$1,300,000 (Sep 2025)
Tax Bill	$8,866 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2025 Sale + 1 more
Flood Zone	Zone AO (high risk)
APN	`031-144-034-000`

Property Details

APN / Parcel Number

Primary APN	`031-144-034-000`
Alternative APN	`031-144-034`

Exterior

Lot Area	7,500 sqft (0.172 acres)

Location & Zoning

Old Parcel Number	031-144-034
Street Address	520 W MAIN ST
City	MERCED
State	CA
Zip	95340-4716
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CC
Legal Description	MERCED LOT 3 BLK 185
Legal Subdivision	MERCED
Legal Block	185
Legal Lot Number	3
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3013
Census Tract	1302

Owner

Source: Merced County records, as of September 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3323 E OLIVE AVE, MERCED, CA 95340-9338
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Line of Credit YOSEMITE LAND BANK FLCA
Sep 12, 2025	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY
Apr 2, 2024	Grant Deed, Transfer TRANSCOUNTY TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Apr 2, 2024 · Amount on Record
Deed Document Number	202524373
Prior Transfer Date	Jan 7, 2008
Prior Transfer Doc	0000003997
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Jun 11, 2026
Property Address	520 W MAIN ST, MERCED, CA 95340-4716
Document Number	0000015840
Instrument Date	May 4, 2026
Instrument	202615840
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ACCOMMODATION/COURTESY RECOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3323 E OLIVE AVE, MERCED, CA 95340-9338
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015840,
Date	Jun 11, 2026
Instrument	202615840

Lender

Name	YOSEMITE LAND BANK FLCA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Sep 12, 2025
Property Address	520 W MAIN ST, MERCED, CA 95340-4716
Document Number	0000024373
Map Reference	VOL 1 PG 12
Instrument Date	Sep 8, 2025
Instrument	2025024373
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY

Transaction

Amount	Amount Recorded
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	3323 E OLIVE AVE, MERCED, CA 95340-9338

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Apr 2, 2024
Property Address	520 W MAIN ST, MERCED, CA 95340-4716
Document Number	0000007404
Map Reference	VOL 2 PG 12
Instrument Date	Mar 19, 2024
Instrument	2024007404
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
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

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		$1,300,000 (+92.96%) Land $190,000 Building $1,110,000
2025	$8,866.00 (+16.95%)	$673,700 (+16.64%) Land $117,300 Building $556,400
2023	$7,581.00 (+15.25%)	$577,582 Land $86,634 Building $490,948
2022	$6,578.00

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.

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 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 59 policies
Nearby Flood Policies	59 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

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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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