642 Heron Dr, Los Banos, CA 93635 Property Records

Merced County property record for 642 Heron Dr, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,276 sqft · built 2003
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,164 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`084-280-026-000`

Property Details

APN / Parcel Number

Primary APN	`084-280-026-000`
Alternative APN	`084-280-026`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,276 sqft Living Area
Gross Area	610 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	084-280-026
Street Address	642 HERON DR
City	LOS BANOS
State	CA
Zip	93635-9476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MDW -LNDS #2-2 LOT 71
Legal Subdivision	MEADOWLANDS 02-2
Legal Lot Number	71
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1003
Census Tract	2306

Owner

642 Heron Dr is owner-occupied and held in a trust since August 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	642 HERON DR, LOS BANOS, CA 93635-9476
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020
Deed Sale	May 6, 2020
Prior Sale	May 28, 2015 · Amount on File
Deed Document Number	202014652
Last Transfer Date	Aug 8, 2025
Transfer Doc	0000021927
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	May 6, 2020
Property Address	642 HERON DR, LOS BANOS, CA 93635-9476
Document Number	0000014652
Instrument Date	Nov 19, 2019
Instrument	14652
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	642 HERON DR LOS BANOS CA 936359476, LOS BANOS, CA 93635-9476

Mortgage

Document Number	14653
Date	May 6, 2020
Instrument	14653

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 642 Heron Dr was $5,164.

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		$412,234 (+2%) Land $61,290 Building $350,944
2025	$5,164.00	$404,152 Land $60,089 Building $344,063
2023	$4,917.00 (+17.13%)	$388,459 Land $57,756 Building $330,703
2022	$4,198.00

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

Flood

FEMA maps place 642 Heron Dr 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 642 Heron Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 242 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20