521 W Main St, Merced, CA 95340 Property Records

Merced County property record for 521 W Main St, Merced, CA 95340

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.273 acres (11,902 sqft)
Owner	Company Name on File
Last Sale	$3,106,000 (Apr 2023)
Tax Bill	$39,350 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Apr 2023 Sale + 1 more
Flood Zone	Zone AO (high risk)
APN	`031-141-021-000`

Property Details

APN / Parcel Number

Primary APN	`031-141-021-000`
Alternative APN	`031-141-021`

Exterior

Architectural Style	Multi-Family
Lot Area	11,902 sqft (0.273 acres)

Location & Zoning

Old Parcel Number	031-141-021
Street Address	521 W MAIN ST
City	MERCED
State	CA
Zip	95340-4715
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	CC
Legal Description	MERCED SW POR LOTS 13 & 14 ETC BLK 163
Legal Subdivision	MERCED SW
Legal Block	163
Legal Lot Number	13,14
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3012
Census Tract	1302

Owner

Source: Merced County records, as of September 2, 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	Company Name on File
Mailing Address	PO BOX 188, CARUTHERS, CA 93609-0188
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage ZB NA
Apr 27, 2023	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Apr 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on File
Deed Sale	Apr 27, 2023 · Amount on File
Prior Sale	Sep 30, 2016 · Amount on File
Deed Document Number	20239286
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	521 W MAIN ST, MERCED, CA 95340-4715
Transaction Type	Mortgage
Record Updated	Nov 13, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 E PEBBLE BEACH DR, FRESNO, CA 93730-0786

Mortgage

Document Number	0000024537
Date	Oct 12, 2023
Instrument	2023024537

Lender

Name	ZB NA
Type	Bank
Address	FRESNO, CA 93720

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Apr 27, 2023
Property Address	521 W MAIN ST, MERCED, CA 95340-4715
Document Number	0000009286
Map Reference	VOL 2 PG 12
Instrument Date	Mar 21, 2023
Instrument	2023009286
Transaction Type	Transfer
Record Updated	May 29, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount 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	Living Trust
Address	PO BOX 188, CARUTHERS, CA 93609-0188

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Apr 26, 2017
Property Address	521 W MAIN ST, MERCED, CA 95340-4715
Document Number	0000013251
Instrument Date	Apr 14, 2017
Instrument	13251
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	523 W MAIN ST MERCED CA 953404715, MERCED, CA 95340-4715

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		$3,295,062 (+2.03%) Land $376,728 Building $2,918,334
2025	$39,350.00 (+52.96%)	$3,229,591 (+56.19%) Land $369,342 Building $2,860,249
2023	$25,725.00 (+13.62%)	$2,067,764 Land $145,016 Building $1,922,748
2022	$22,642.00

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 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 File 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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