Merced County property record for 648 Osprey St, Merced, CA 95340
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,662 sqft · built 2020 |
| Lot Size | 0.264 acres (11,517 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $504,500 (Nov 2020) |
| Tax Bill | $8,101 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 231-190-004-000 |
| Primary APN | 231-190-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,662 sqft Living Area |
| 1st Floor Area | 2,662 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Construction Type | Wood |
| Lot Area | 11,517 sqft (0.264 acres) |
| Garage Type | Attached |
| Garage Area | 745 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 297 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 231-190-004 |
|---|---|
| Street Address | 648 OSPREY ST |
| City | MERCED |
| State | CA |
| Zip | 95340-9604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANSIONETTE ESTATES UNIT 5 LOT 118 |
| Legal Subdivision | MANSIONETTE ESTATE |
| Legal Lot Number | 118 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 1801 |
648 Osprey St is owned and occupied by two individuals who bought it in November 2020.
Source: Merced County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 648 OSPREY ST, MERCED, CA 95340-9604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2020 · Amount on File |
| Deed Sale | Nov 2, 2020 · Amount on File |
| Deed Document Number | 202040196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Nov 2, 2020 |
| Property Address | 648 OSPREY ST, MERCED, CA 95340-9604 |
| Document Number | 0000040196 |
| Map Reference | VOL 79 PG 35-37 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 2020040196 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 648 OSPREY ST, MERCED, CA 95340-9604 |
| Document Number | 0000040197 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 2020040197 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 648 Osprey St was $8,101.
Source: Merced County assessment roll, as of August 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $556,957 (+2%) Land $88,324 Building $468,633 | |
| 2025 | $8,101.00 | $546,038 Land $86,593 Building $459,445 |
| 2023 | $7,577.00 (+2.25%) | $524,837 Land $83,232 Building $441,605 |
| 2022 | $7,410.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 648 Osprey St in Zone X, an area of minimal flood risk.
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 | 7 in force |
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 risk around 648 Osprey St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 76% of California |
|---|---|
| Wildfire Likelihood | 0.07% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 250 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 |
| 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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