Merced County property record for 649 Cadiz Ave, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,839 sqft · built 2024 |
| Lot Size | 0.079 acres (3,459 sqft) |
| Owner | Individual Name on File |
| Last Sale | $419,500 (Feb 2024) |
| Tax Bill | $6,096 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2023 Construction Loan |
| Flood Zone | Zone AO (high risk) |
| APN | 259-340-057-000 |
| Primary APN | 259-340-057-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,839 sqft Living Area |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Construction Type | Wood |
| Lot Area | 3,459 sqft (0.079 acres) |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 68 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 259-340-057 |
|---|---|
| Street Address | 649 CADIZ AVE |
| City | MERCED |
| State | CA |
| Zip | 95341-8845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 123 MISSION RANCH PHASE 2 |
| Legal Subdivision | MISSION RANCH PH 2 |
| Legal Lot Number | 123 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 1604 |
649 Cadiz Ave is owned and occupied by an individual who bought it in February 2024.
Source: Merced County records, as of August 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 649 CADIZ AVE, MERCED, CA 95341-8845 |
| 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.
| Date | Document |
|---|---|
| Feb 28, 2024 | Grant Deed, Subdivision Related Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC |
| Aug 8, 2023 | Deed of Trust, Mortgage · Construction Mortgage MID VALLEY SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on File |
| Deed Sale | Feb 28, 2024 · Amount on File |
| Deed Document Number | 20244590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MERCED CA |
| Recording Date | Feb 28, 2024 |
| Property Address | 649 CADIZ AVE, MERCED, CA 95341 |
| Document Number | 0000004590 |
| Map Reference | VOL 85 PG 19-23 |
| Instrument Date | Feb 14, 2024 |
| Instrument | 2024004590 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 2, 2024 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS 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 | 649 CADIZ AVE, MERCED, CA 95341 |
| Document Number | 0000004591 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024004591 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 649 CADIZ AVE, MERCED, CA 95341 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000018494 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 2023018494 |
| Name | MID VALLEY SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | FRESNO, CA 93711 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 649 Cadiz Ave was $6,096.
Source: Merced County assessment roll, as of August 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | Merced County |
| Municipality | Merced City |
| Secondary School District | Merced Union High School District (09 - 12) |
| Elementary School District | Weaver Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $436,447 (+2%) Land $109,242 Building $327,205 | |
| 2025 | $6,096.00 | $427,890 Land $107,100 Building $320,790 |
| 2023 | $632.00 (+329.93%) | $57,707 Land $57,707 |
| 2022 | $147.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 649 Cadiz Ave in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective October 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AO high risk · sheet flow 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 50 policies |
| Nearby Flood Policies | 50 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 649 Cadiz Ave is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 66% of California |
|---|---|
| Wildfire Likelihood | 0.1% 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 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Ayera Technologies Fixed Wireless | 1,000 / 500 |
| unWired Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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