657 Monroe Ave, Los Banos, CA 93635 Property Records

Merced County property record for 657 Monroe Ave, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,760 sqft · built 1954
Lot Size	0.257 acres (11,200 sqft)
Owner	Trust Name on File
Last Sale	$205,000 (May 2012)
Tax Bill	$3,263 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-193-004-000`

Property Details

APN / Parcel Number

Primary APN	`026-193-004-000`
Alternative APN	`026-193-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,760 sqft Living Area
Gross Area	3,240 sqft
1st Floor Area	2,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Construction Type	Wood
Roof Material	Other
Lot Area	11,200 sqft (0.257 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	206 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	026-193-004
Street Address	657 MONROE AVE
City	LOS BANOS
State	CA
Zip	93635-4744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ARB HAC LOT 74
Legal Subdivision	ARB HAC
Legal Lot Number	74
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	1
Census Block	1035
Census Tract	2301

Owner

657 Monroe Ave is owner-occupied and held in a trust since June 2024.

Source: Merced County records, as of August 21, 2026

Owner of Record	Trust Name on File
Mailing Address	657 MONROE AVE, LOS BANOS, CA 93635-4744
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage GOODLEAP LLC
Dec 8, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2012 · Amount on File
Deed Sale	May 23, 2012 · Amount on File
Prior Sale	Oct 25, 2000 · Amount on File
Deed Document Number	201218202
Last Transfer Date	Jun 11, 2024
Transfer Doc	0000014664
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	657 MONROE AVE, LOS BANOS, CA 93635-4744
Transaction Type	Mortgage
Record Updated	Sep 19, 2022
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 MONROE AVE, LOS BANOS, CA 93635-4744

Mortgage

Document Number	0000029946
Date	Aug 18, 2022
Instrument	2022029946

Lender

Name	GOODLEAP LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2037

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Dec 8, 2020
Property Address	657 MONROE AVE, LOS BANOS, CA 93635-4744
Document Number	0000047163
Map Reference	MB 11 PG 13
Instrument Date	Dec 1, 2020
Instrument	2020047163
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

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	Joint Tenants
Address	657 MONROE AVE, LOS BANOS, CA 93635-4744

Mortgage

Document Number	0000047164
Date	Dec 8, 2020
Instrument	2020047164

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 657 Monroe Ave was $3,263 with a homeowner's exemption, down 1.2% from the year before.

Source: Merced County assessment roll, as of August 21, 2026

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
2026		$312,047 (+2%) Land $19,213 Building $292,834
2025	$3,263.00 (-1.21%) Homeowner's exemption	$305,930 Land $18,837 Building $287,093
2024	$3,303.00 (+5.9%)
2023	$3,119.00 (+9.09%) Homeowner's exemption	$294,052 Land $18,106 Building $275,946
2022	$2,859.00

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

Flood

FEMA maps place 657 Monroe Ave 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	1 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

Wildfire risk around 657 Monroe Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 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 418 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

May also be available: AT&T, Verizon.

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