540 Deborah Ct, Merced, CA 95341 Property Records

Merced County property record for 540 Deborah Ct, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,474 sqft · built 2006
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Nov 2015)
Tax Bill	$2,420 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone AO (high risk)
APN	`222-041-014-000`

Property Details

APN / Parcel Number

Primary APN	`222-041-014-000`
Alternative APN	`222041014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,474 sqft Living Area
Gross Area	1,920 sqft

Exterior

Year Built	Built 2006
Architectural Style	Other
Construction Type	Wood Frame
Lot Area	5,000 sqft (0.114 acres)
Garage Type	Attached
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	222041014
Street Address	540 DEBORAH CT
City	MERCED
State	CA
Zip	95341-7037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CYPRESS TERRACE PHASE 3 LOT 141
Legal Subdivision	CYPRESS TERRACE PH 03
Legal Lot Number	141
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1009
Census Tract	1603

Owner

Source: Merced County records · APN 222-041-014-000

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	540 DEBORAH CT, MERCED, CA 95341-7037
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 23, 2015 · Amount on Record
Deed Sale	Nov 23, 2015 · Amount on Record
Prior Sale	Nov 23, 2015 · Amount on Record
Deed Document Number	0000040552
Last Transfer Date	Oct 29, 2021
Transfer Doc	0000048574
Record Updated	Jun 07, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Oct 29, 2021
Property Address	540 DEBORAH CT, MERCED, CA 95341-7037
Document Number	0000048574
Map Reference	VOL 65 PG 25-28
Instrument Date	Oct 22, 2021
Instrument	2021048574
Transaction Type	Transfer
Record Updated	Nov 30, 2021
Title Company	NORTH 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
Relationship	Joint Tenants
Address	540 DEBORAH CT, MERCED, CA 95341-7037

Mortgage

Document Number	0000048575
Date	Oct 29, 2021
Instrument	2021048575

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2041

Tax Assessment & Valuation

Source: Merced County records · Assessment roll updated July 1, 2025 · Last verified October 2025

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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$2,420.00 (+11.16%)	$195,320 (+4.04%) Land $47,348 Building $147,972
2023	$2,177.00 (-1.4%)	$187,737 Land $45,510 Building $142,227
2022	$2,208.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 4, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
UnWired Broadband Holding 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.

Based on FCC filings for 582 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF MERCED serves 96,073 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.