686 Trudy Way, Merced, CA 95341 Property Records

Merced County property record for 686 Trudy Way, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,187 sqft · built 2003
Lot Size	0.115 acres (5,003 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jun 2018)
Tax Bill	$3,024 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jun 2019 Transfer + 2 more
Flood Zone	Zone AO (high risk)
APN	`059-622-009-000`

Property Details

APN / Parcel Number

Primary APN	`059-622-009-000`
Alternative APN	`059-622-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,187 sqft Living Area
Gross Area	1,649 sqft
1st Floor Area	1,187 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,003 sqft (0.115 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	059-622-009
Street Address	686 TRUDY WAY
City	MERCED
State	CA
Zip	95341-7006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	CYPRESS TERRACE PHASE 1, LOT 89
Legal Subdivision	CYPRESS TERRACE PH 01
Legal Lot Number	89
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2010
Census Tract	1603

Owner

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	686 TRUDY WAY, MERCED, CA 95341-7006
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jun 3, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jun 13, 2018	Grant Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jun 13, 2018	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2018 · Amount on Record
Deed Sale	Jun 13, 2018 · Amount on Record
Prior Sale	Oct 9, 2014
Deed Document Number	201817740
Last Transfer Date	May 30, 2019
Transfer Doc	0000015887
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	686 TRUDY WAY, MERCED, CA 95341-7006
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024891
Date	Aug 14, 2019
Instrument	2019024891

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MERCED CA
Recording Date	Jun 3, 2019
Property Address	686 TRUDY WAY, MERCED, CA 95341-7006
Document Number	0000015887
Instrument Date	May 30, 2019
Instrument	15887
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	686 TRUDY WAY MERCED CA 953417006, MERCED, CA 95341-7006

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jun 13, 2018
Property Address	686 TRUDY WAY, MERCED, CA 95341-7006
Document Number	0000017740
Map Reference	DOC2002-60971
Instrument Date	Jun 5, 2018
Instrument	2018017740
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	686 TRUDY WAY, MERCED, CA 95341-7006

Mortgage

Document Number	0000017741
Date	Jun 13, 2018
Instrument	2018017741

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MERCED CA
Recording Date	Jun 13, 2018
Property Address	686 TRUDY WAY, MERCED, CA 95341-7006
Document Number	0000017739
Instrument Date	Jun 5, 2018
Instrument	17739
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1326 CASSIS DR MERCED CA 953489535, MERCED, CA 95348-9535

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
Secondary School District	Merced Union High School District (09 - 12)
Elementary School District	Weaver Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$254,827 (+2%) Land $68,267 Building $186,560
2025	$3,024.00 (+14.72%)	$249,831 (+8.38%) Land $66,929 Building $182,902
2023	$2,636.00 (-1.05%)	$230,520 Land $64,331 Building $166,189
2022	$2,664.00

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 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 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	3 (2016–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

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	Moderate above 52% of the US · lower than 69% 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.

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 582 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 DSL · Fiber in parts of the area	100 / 20

May also be available: Ayera Technologies.

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