655 Monterey Ct, Merced, CA 95340 Property Records

Merced County property record for 655 Monterey Ct, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,615 sqft · built 1977
Lot Size	0.157 acres (6,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Mar 2024)
Tax Bill	$4,363 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-333-003-000`

Property Details

APN / Parcel Number

Primary APN	`006-333-003-000`
Alternative APN	`006-333-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,615 sqft Living Area
Gross Area	2,075 sqft
1st Floor Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Other
Lot Area	6,840 sqft (0.157 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	115 sqft
Patio Area	115 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	006-333-003
Street Address	655 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 35
Legal Subdivision	WAINWRIGHTS PARK VILLAGE 04
Legal Lot Number	35
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1005
Census Tract	1101

Owner

Source: Merced County records, as of September 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	655 MONTEREY CT, MERCED, CA 95340-0622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Mar 8, 2024	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2024 · Amount on Record
Deed Sale	Mar 8, 2024 · Amount on Record
Prior Sale	Aug 2, 2005 · Amount on Record
Deed Document Number	20245365
Prior Transfer Date	Mar 18, 2005
Prior Transfer Doc	0000021319
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Dec 9, 2025
Property Address	655 MONTEREY CT, MERCED, CA 95340-0622
Document Number	0000035040
Map Reference	MB 22 PG 50
Instrument Date	Dec 3, 2025
Instrument	2025035040
Transaction Type	Transfer
Record Updated	Jan 6, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	655 MONTEREY CT, MERCED, CA 95340-0622

Mortgage

Document Number	0000035041
Date	Dec 9, 2025
Instrument	2025035041

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Mar 8, 2024
Property Address	655 MONTEREY CT, MERCED, CA 95340-0622
Document Number	0000005365
Map Reference	MB 22 PG 50-52
Instrument Date	Feb 27, 2024
Instrument	2024005365
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property
Address	655 MONTEREY CT, MERCED, CA 95340-0622

Mortgage

Document Number	0000005366
Date	Mar 8, 2024
Instrument	2024005366

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Mortgage

Document Number	0000005367
Date	Mar 8, 2024
Instrument	2024005367

Lender

Name	GOLDEN STATE FINANCE AUTHORITY
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$400,554 (+2%) Land $124,848 Building $275,706
2025	$4,363.00 (+8.67%)	$392,700 (+5.42%) Land $122,400 Building $270,300
2023	$4,015.00 (-1.81%)	$372,500 Land $105,000 Building $267,500
2022	$4,089.00

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 · 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

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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