659 Royal Arch Ct, Merced, CA 95340 Property Records

Merced County property record for 659 Royal Arch Ct, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,045 sqft · built 1990
Lot Size	0.136 acres (5,922 sqft)
Owner	2 Trust Names on File
Last Sale	$400,000 (Sep 2025)
Tax Bill	$3,110 (2025)
Deeds & Mortgages	Sep 2025 Sale Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-450-028-000`

Property Details

APN / Parcel Number

Primary APN	`006-450-028-000`
Alternative APN	`006-450-028`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,045 sqft Living Area
Gross Area	1,850 sqft
1st Floor Area	1,377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Construction Type	Wood
Roof Material	Other
Lot Area	5,922 sqft (0.136 acres)
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	006-450-028
Street Address	659 ROYAL ARCH CT
City	MERCED
State	CA
Zip	95340-0660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	YOSEMITE N UNIT #1 LOT 27
Legal Subdivision	YOSEMITE N
Legal Lot Number	27
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	1
Census Block	1000
Census Tract	1101

Owner

659 Royal Arch Ct is held in a trust since September 2025.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	1128 WALNUT ST, NAPA, CA 94559-2208
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY
Jul 18, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2025 · Amount on File
Deed Sale	Sep 16, 2025 · Amount on File
Deed Document Number	202524725
Prior Transfer Date	Feb 26, 2025
Prior Transfer Doc	0000007078
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Sep 16, 2025
Property Address	659 ROYAL ARCH CT, MERCED, CA 95340-0660
Document Number	0000024725
Map Reference	VOL 32 PG 9
Instrument Date	Aug 28, 2025
Instrument	2025024725
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY

Transaction

Amount	Amount 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 with Right of Survivorship
Address	5448 ANDROMEDA CIR, FREMONT, CA 94538-5214

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	659 ROYAL ARCH CT, MERCED, CA 95340-0660
Transaction Type	Mortgage
Record Updated	Aug 21, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 ROYAL ARCH CT, MERCED, CA 95340-0660
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016254
Date	Jul 18, 2023
Instrument	2023016254

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 17, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	659 ROYAL ARCH CT, MERCED, CA 95340-0660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034969
Date	Nov 9, 2018
Instrument	2018034969

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2033

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	659 ROYAL ARCH CT, MERCED, CA 95340-0660
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 ROYAL ARCH CT, MERCED, CA 95340-0660

Mortgage

Document Number	0000033382
Date	Sep 21, 2020
Instrument	2020033382

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 659 Royal Arch Ct was $3,110, up 5.3% from the year before.

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		$400,000 (+39.59%) Land $120,000 Building $280,000
2025	$3,110.00 (+5.28%)	$286,552 Land $60,686 Building $225,866
2024	$2,954.00 (-0.61%)
2023	$2,972.00 (+1.36%)	$275,428 Land $58,331 Building $217,097
2022	$2,932.00

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

Flood

FEMA maps place 659 Royal Arch Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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

Wildfire risk around 659 Royal Arch Ct is low, with 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 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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