644 Monterey Ct, Merced, CA 95340 Property Records

Merced County property record for 644 Monterey Ct, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,175 sqft · built 1977
Lot Size	0.193 acres (8,399 sqft)
Owner	Trust Name on File
Last Sale	$335,000 (Jun 2023)
Tax Bill	$3,874 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-333-008-000`

Property Details

APN / Parcel Number

Primary APN	`006-333-008-000`
Alternative APN	`006-333-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area
Gross Area	1,612 sqft
1st Floor Area	1,175 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	8,399 sqft (0.193 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	25 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	006-333-008
Street Address	644 MONTEREY CT
City	MERCED
State	CA
Zip	95340-0622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	W PK VIL #4 LOT 30
Legal Subdivision	WAINWRIGHTS PARK VILLAGE 04
Legal Lot Number	30
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1005
Census Tract	1101

Owner

644 Monterey Ct is held in a trust since June 2023.

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

Owner of Record	Trust Name on File
Mailing Address	42024 LINSAY CT, FREMONT, CA 94538-5550
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

Date	Document
Jun 13, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 7, 2017	Grant Deed, Transfer · VA Mortgage NEIGHBORS FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2023 · Amount on File
Deed Sale	Jun 13, 2023 · Amount on File
Prior Sale	Feb 7, 2017 · Amount on File
Deed Document Number	202313266
Prior Transfer Date	Dec 12, 2005
Prior Transfer Doc	0000055815
Record Updated	Oct 29, 2026

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jun 13, 2023
Property Address	644 MONTEREY CT, MERCED, CA 95340-0622
Document Number	0000013266
Map Reference	MB 22 PG 50-52
Instrument Date	Jun 1, 2023
Instrument	2023013266
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	FIRSTAMERICAN 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	Revocable Trust
Address	42024 LINSAY CT, FREMONT, CA 94538-5550

Mortgage

Document Number	0000013267
Date	Jun 13, 2023
Instrument	2023013267

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Feb 7, 2017
Property Address	644 MONTEREY CT, MERCED, CA 95340-0622
Document Number	0000004376
Map Reference	MB 22 PG 50-52
Instrument Date	Feb 3, 2017
Instrument	2017-004376
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 MONTEREY CT, MERCED, CA 95340-0622

Mortgage

Document Number	0000004377
Date	Feb 7, 2017
Instrument	2017-004377

Lender

Name	NEIGHBORS FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 644 Monterey Ct was $3,874.

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

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Merced City
Elementary School District	Merced City Elementary School District (KG - 08)
Secondary School District	Merced Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$355,503 (+2%) Land $111,426 Building $244,077
2025	$3,874.00	$348,534 Land $109,242 Building $239,292
2023	$2,530.00 (+1.36%)	$234,256 Land $50,196 Building $184,060
2022	$2,496.00

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

Flood

FEMA maps place 644 Monterey Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective October 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1982–1984)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1984 · tidal / storm surge

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 644 Monterey Ct 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 631 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

May also be available: GeoLinks, Verizon.

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