548 Cabernet St, Los Banos, CA 93635 Property Records

Merced County property record for 548 Cabernet St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,599 sqft · built 2000
Lot Size	0.139 acres (6,053 sqft)
Owner	Individual Name on File
Last Sale	$445,000 (Oct 2023)
Tax Bill	$5,506 (2025)
Deeds & Mortgages	Oct 2023 Transfer Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082-543-003-000`

Property Details

APN / Parcel Number

Primary APN	`082-543-003-000`
Alternative APN	`082-543-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,599 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	1,599 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	6,053 sqft (0.139 acres)
Garage Type	Attached
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	082-543-003
Street Address	548 CABERNET ST
City	LOS BANOS
State	CA
Zip	93635-6326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	VINEYARD #6 LOT 276
Legal Subdivision	VINEYARD 06
Legal Lot Number	276
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	2
Census Block	2002
Census Tract	2203

Owner

548 Cabernet St is owned and occupied by an individual who bought it in October 2023.

Source: Merced County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	548 CABERNET ST, LOS BANOS, CA 93635-6326
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Intrafamily Transfer, Transfer CALIFORNIA TITLE COMPANY
Oct 11, 2023	Grant Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2023 · Amount on File
Deed Sale	Oct 11, 2023 · Amount on File
Prior Sale	Oct 11, 2023
Deed Document Number	202324435
Prior Transfer Date	Oct 4, 2023
Prior Transfer Doc	0000024434
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Oct 11, 2023
Property Address	548 CABERNET ST, LOS BANOS, CA 93635-6326
Document Number	0000024434
Map Reference	MB 50 PG 39-41
Instrument Date	Oct 6, 2023
Instrument	2023024434
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	CALIFORNIA 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	548 CABERNET ST, LOS BANOS, CA 93635-6326

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Oct 11, 2023
Property Address	548 CABERNET ST, LOS BANOS, CA 93635-6326
Document Number	0000024435
Map Reference	MB 50 PG 39-41
Instrument Date	Sep 18, 2023
Instrument	2023024435
Transaction Type	Transfer
Record Updated	Nov 13, 2023
Title Company	NOT AVAILABLE, MULTIPLE

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
Relationship	Joint Tenants
Address	349 NATURE CT # B, B, SAN JOSE, CA 95123-5134

Mortgage

Document Number	0000024436
Date	Oct 11, 2023
Instrument	2023024436

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 548 Cabernet St was $5,506.

Source: Merced County assessment roll, as of August 21, 2026

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
2026		$462,978 (+2%) Land $124,848 Building $338,130
2025	$5,506.00	$453,900 Land $122,400 Building $331,500
2023	$2,169.00 (+2.94%)	$153,793 Land $12,309 Building $141,484
2022	$2,107.00

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

FEMA maps place 548 Cabernet St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 548 Cabernet St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	0.01% 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 491 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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