Merced County property record for 674 Saddle Ct, Merced, CA 95341
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,673 sqft · built 1990 |
| Lot Size | 0.436 acres (18,980 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,490 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Sep 2017 Line of Credit + 2 more |
| Flood Zone | Zone AO (high risk) |
| APN | 061-430-018-000 |
| Primary APN | 061-430-018-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,673 sqft Living Area |
| Gross Area | 2,077 sqft |
| 1st Floor Area | 1,673 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Roof Material | Other |
| Lot Area | 18,980 sqft (0.436 acres) |
| Garage Type | Attached |
| Garage Area | 404 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 18 sqft |
| Patio Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 061-430-018 |
|---|---|
| Street Address | 674 SADDLE CT |
| City | MERCED |
| State | CA |
| Zip | 95341-5400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R16 |
| Legal Description | ALFA RCH UNIT 1-1&2&3 LOT 18 |
| Legal Subdivision | ALFA RCH 01 02 03 |
| Legal Lot Number | 18 |
| Jurisdiction | MERCED CA |
| Township / Civil Division | MERCED |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 1700 |
Source: Merced County records, as of August 21, 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 | 674 SADDLE CT, MERCED, CA 95341-5400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
| Date | Document |
|---|---|
| Jan 13, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Sep 22, 2017 | Deed of Trust, Mortgage · Line of Credit UNIFY FINANCIAL FCU |
| Jan 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2009 |
| Deed Sale | Dec 31, 2009 |
| Prior Sale | Sep 23, 2009 · Amount on Record |
| Deed Document Number | 200962712 |
| Last Transfer Date | Aug 20, 2015 |
| Transfer Doc | 0000031806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 674 SADDLE CT, MERCED, CA 95341-5400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 674 SADDLE CT, MERCED, CA 95341-5400 |
| Document Number | 0000000758 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | 2026000758 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 674 SADDLE CT, MERCED, CA 95341-5400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|
| Document Number | 0000030978 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 2017-030978 |
| Name | UNIFY FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | TORRANCE, CA 90501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 674 SADDLE CT, MERCED, CA 95341-5400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001900 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 2020001900 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCED CA |
| Property Address | 674 SADDLE CT, MERCED, CA 95341-5400 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK |
| Name | Verified Name |
|---|---|
| Address | 674 SADDLE CT, MERCED, CA 95341-5400 |
| Document Number | 0000036151 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 2020036151 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
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 | $142,757 (+2%) Land $9,207 Building $133,550 | |
| 2025 | $1,490.00 (+7.74%) Homeowner's exemption | $139,959 (+4.04%) Land $9,027 Building $130,932 |
| 2023 | $1,383.00 (+0.73%) Homeowner's exemption | $134,526 Land $8,677 Building $125,849 |
| 2022 | $1,373.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Record median of 82 policies |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 3 (2016–2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 73% of California |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 521 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 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
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