537 Janell Ct, Merced, CA 95341 Property Records

Merced County property record for 537 Janell Ct, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,448 sqft · built 2020
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Tax Bill	$3,189 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2021 Mortgage + 4 more
Flood Zone	Zone AO (high risk)
APN	`222-041-022-000`

Property Details

APN / Parcel Number

Primary APN	`222-041-022-000`
Alternative APN	`222-041-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
1st Floor Area	1,448 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Patio Area	59 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	222-041-022
Street Address	537 JANELL CT
City	MERCED
State	CA
Zip	95341-7034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	CYPRESS TERRACE PHASE 4 LOT 149
Legal Subdivision	CYPRESS TERRACE PH 04
Legal Lot Number	149
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1009
Census Tract	1603

Owner

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	Individual Name on File
Mailing Address	537 JANELL CT, MERCED, CA 95341-7034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit PACIFIC SERVICE CU
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Jan 7, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jan 22, 2020	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 22, 2020	Grant Deed, Transfer · Commercial Mortgage FREEDOM MORTGAGE CORP
Oct 7, 2019	Grant Deed, Transfer SPYCHER FAMILY TRUST (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2020
Deed Sale	Jan 22, 2020
Prior Sale	Jan 22, 2020 · Amount on File
Deed Document Number	20202491
Prior Transfer Date	Nov 26, 2019
Prior Transfer Doc	0000002491
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	537 JANELL CT, MERCED, CA 95341-7034
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 JANELL CT, MERCED, CA 95341-7034

Mortgage

Document Number	0000004144
Date	Feb 20, 2026
Instrument	2026004144

Lender

Name	PACIFIC SERVICE CU
Type	Credit Union
Address	CONCORD, CA 94520

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	537 JANELL CT, MERCED, CA 95341-7034
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 JANELL CT, MERCED, CA 95341-7034

Mortgage

Document Number	0000038246
Date	Aug 27, 2021
Instrument	2021038246

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	537 JANELL CT, MERCED, CA 95341-7034
Document Number	0000000748
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1160 REDINGTON CT TRACY CA 953778966, TRACY, CA 95377-8966

Mortgage

Document Number	0000000748
Date	Jan 8, 2020
Instrument	748

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2050

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jan 22, 2020
Property Address	537 JANELL CT, MERCED, CA 95341-7034
Document Number	0000002491
Map Reference	VOL 65 PG 29-32
Instrument Date	Nov 26, 2019
Instrument	2020002491
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 JANELL CT, MERCED, CA 95341-7034

Mortgage

Document Number	0000002492
Date	Jan 22, 2020
Instrument	2020002492

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Mortgage

Document Number	0000002497
Date	Jan 22, 2020
Instrument	2020002497

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jan 22, 2020
Property Address	537 JANELL CT, MERCED, CA 95341-7034
Document Number	0000002490
Map Reference	VOL 65 PG 29-32
Instrument Date	Nov 26, 2019
Instrument	2020002490
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	537 JANELL CT, MERCED, CA 95341-7034

Mortgage

Document Number	0000002493
Date	Jan 22, 2020
Instrument	2020002493

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Oct 7, 2019
Property Address	537 JANELL CT, MERCED, CA 95341-7034
Document Number	0000032071
Instrument Date	Sep 27, 2019
Instrument	32071
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.75
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	219 N BROADWAY TURLOCK CA 953804737, TURLOCK, CA 95380-4737
Investor	Possibly a Property Investor

Mortgage

Document Number	32072
Date	Oct 7, 2019
Instrument	32072

Lender

Name	SPYCHER FAMILY TRUST (PT)
Address	PO BOX 5, BALLICO, CA 95303-0005

Agreement

Amount	Amount on Record

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
Secondary School District	Merced Union High School District (09 - 12)
Elementary School District	Weaver Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$277,202 (+2%) Land $55,774 Building $221,428
2025	$3,189.00 (+5.11%) Homeowner's exemption	$271,768 (+4.04%) Land $54,681 Building $217,087
2024	$3,034.00 (+4.98%)
2023	$2,890.00 (-0.89%) Homeowner's exemption	$261,216 Land $52,558 Building $208,658
2022	$2,916.00

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 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	2 (2012–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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 582 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Ayera Technologies.

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