550 Janell Ct, Merced, CA 95341 Property Records

Merced County property record for 550 Janell Ct, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,626 sqft · built 2019
Lot Size	0.133 acres (5,771 sqft)
Owner	2 Individual Names on File
Last Sale	$260,500 (May 2019)
Tax Bill	$3,392 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AO (high risk)
APN	`222-041-032-000`

Property Details

APN / Parcel Number

Primary APN	`222-041-032-000`
Alternative APN	`222-041-032`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,626 sqft Living Area
1st Floor Area	1,626 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Lot Area	5,771 sqft (0.133 acres)
Garage Type	Attached
Garage Area	485 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	222-041-032
Street Address	550 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 159
Legal Subdivision	CYPRESS TERRACE PH 04
Legal Lot Number	159
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1009
Census Tract	1603

Owner

550 Janell Ct is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	550 JANELL CT, MERCED, CA 95341-7034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
May 22, 2019	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Dec 14, 2018	Grant Deed, Construction Loan SPYCHER FAMILY TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2019 · Amount on File
Deed Sale	May 22, 2019 · Amount on File
Prior Sale	Dec 14, 2018 · Amount on File
Deed Document Number	201914658
Prior Transfer Date	Sep 3, 2013
Prior Transfer Doc	0000032777
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	550 JANELL CT, MERCED, CA 95341-7034
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 JANELL CT, MERCED, CA 95341-7034

Mortgage

Document Number	0000024536
Date	Jun 1, 2021
Instrument	2021024536

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	May 22, 2019
Property Address	550 JANELL CT, MERCED, CA 95341-7034
Document Number	0000014658
Map Reference	VOL 65 PG 29-32
Instrument Date	Apr 23, 2019
Instrument	2019014658
Transaction Type	Transfer
Record Updated	Jul 21, 2022
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
Relationship	Community Property with Right of Survivorship
Address	550 JANELL CT, MERCED, CA 95341-7034

Mortgage

Document Number	0000014661
Date	May 22, 2019
Instrument	2019014661

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Mortgage

Document Number	0000014663
Date	May 22, 2019
Instrument	2019014663

Lender

Name	AMERICAN FINANCIAL NETWORK
Type	Non-Lending Institution
Address	BREA, CA 92821

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Dec 14, 2018
Property Address	550 JANELL CT, MERCED, CA 95341-7034
Document Number	0000039804
Instrument Date	Dec 6, 2018
Instrument	39804
Transaction Type	Construction Loan
Record Updated	Jan 16, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$44.00
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	39806
Date	Dec 14, 2018
Instrument	39806

Lender

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

Agreement

Amount	Amount on Record

Mortgage

Document Number	39805,
Date	Dec 14, 2018
Instrument	39805

Lender

Name	MONACO DF & GE TRUST (PT)

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 550 Janell Ct was $3,392 with a homeowner's exemption.

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		$295,879 (+2%) Land $62,578 Building $233,301
2025	$3,392.00 Homeowner's exemption	$290,078 Land $61,351 Building $228,727
2023	$3,078.00 (-0.84%) Homeowner's exemption	$278,817 Land $58,970 Building $219,847
2022	$3,104.00

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

Flood

FEMA maps place 550 Janell Ct in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 550 Janell Ct is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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 386 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: AT&T.

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