645 2nd St, Los Banos, CA 93635 Property Records

Merced County property record for 645 2nd St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,330 sqft · built 1990
Lot Size	0.195 acres (8,504 sqft)
Owner	Individual Name on Record
Tax Bill	$2,143 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`025-044-026-000`

Property Details

APN / Parcel Number

Primary APN	`025-044-026-000`
Alternative APN	`025044026`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
Gross Area	1,858 sqft
1st Floor Area	1,330 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Architectural Style	Other
Construction Type	Wood Frame
Lot Area	8,504 sqft (0.195 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Old Parcel Number	025044026
Street Address	645 2ND ST
City	LOS BANOS
State	CA
Zip	93635-3621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL 2 PM 65-32 SEC 14/10/10
Legal Range	10
Legal Township	10
Legal Section	14
Legal Subdivision	CITY/LOS BANOS
Legal Lot Number	32
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1005
Census Tract	2201

Owner

Source: Merced County records, as of September 22, 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 Record
Mailing Address	645 2ND ST, LOS BANOS, CA 93635-3621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2007
Deed Sale	Jul 17, 2007
Prior Sale	Jul 21, 2005
Deed Document Number	2007-040304
Deed Book / Page	4007 / 0457
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	645 2ND ST, LOS BANOS, CA 93635-3621
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002924
Date	Jan 31, 2018
Instrument	2018002924

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2033

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

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
2025	$2,143.00 (+4.69%) Homeowner's exemption	$202,858 (+4.04%) Land $46,096 Building $156,762
2023	$2,047.00 (+1.59%) Homeowner's exemption	$194,983 Land $44,307 Building $150,676
2022	$2,015.00

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

Flood

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

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

Wildfire Risk	Not rated no burnable land 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 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 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20