646 Andrea Dr, Merced, CA 95348 Property Records

Merced County property record for 646 Andrea Dr, Merced, CA 95348 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,435 sqft · built 2020
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$317,000 (Dec 2020)
Tax Bill	$4,988 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`224-230-025-000`

Property Details

APN / Parcel Number

Primary APN	`224-230-025-000`
Alternative APN	`224-230-025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,435 sqft Living Area
1st Floor Area	1,435 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,500 sqft (0.103 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	109 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	224-230-025
Street Address	646 ANDREA DR
City	MERCED
State	CA
Zip	95348-9669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 40 BELLEVUE RANCH WEST VILLAGE 12 PH 3
Legal Subdivision	5360 BELLEVUE RANCH WEST VILLA
Legal Lot Number	40
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1000
Census Tract	1007

Owner

Source: Merced County records · APN 224-230-025-000

Assessment roll updated July 16, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	646 ANDREA DR, MERCED, CA 95348-9669
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Grant Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Sep 06, 2018	Deed of Trust, Construction Loan · Line of Credit HOUSING CAP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	202048950
Record Updated	Jun 08, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Dec 18, 2020
Property Address	646 ANDREA DR, MERCED, CA 95348-9669
Document Number	0000048950
Map Reference	MB 80 PG 12-16
Instrument Date	Dec 09, 2020
Instrument	2020048950
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	646 ANDREA DR, MERCED, CA 95348-9669

Mortgage

Document Number	0000048951
Date	Dec 18, 2020
Instrument	2020048951

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2036

September 2018: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Recording Date	Sep 06, 2018
Property Address	646 ANDREA DR, MERCED, CA 95348-9669
Document Number	0000027732
Instrument Date	Aug 24, 2018
Instrument	27732
Transaction Type	Construction Loan
Record Updated	Dec 11, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	923 E PACHECO BLVD #C LOS BANOS CA 936354327, C, LOS BANOS, CA 93635-4327
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027732
Date	Sep 06, 2018
Instrument	27732

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	265 E RIVER PARK CIR # 460, FRESNO, CA 93720-1581

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Merced County records · Assessment roll updated July 16, 2025 · Last verified May 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

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

Year	Tax Bill	Assessed Value
2025	$4,988.00 (+6.97%) Homeowner's exemption	$343,112 (+4.04%) Land $86,593 Building $256,519
2023	$4,663.00 (+2.35%) Homeowner's exemption	$329,791 Land $83,232 Building $246,559
2022	$4,556.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Merced County (06047C), updated October 4, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060470010071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
Nearby Flood Policies	13 in force

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 31% of California
Wildfire Likelihood	About 1 in 775 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 790 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
UnWired Broadband Holding	Fixed Wireless (unlicensed)	400 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Cal.net	Fixed Wireless (licensed-by-rule)	100 / 20

May also be available at this address: AT&T, Cal.net. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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