820 W 18th St, Merced, CA 95340 Property Records

Merced County property record for 820 W 18th St, Merced, CA 95340

Property Summary

Property Type	Commercial
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2019)
Tax Bill	$4,434 (2025)
Deeds & Mortgages	Jun 2019 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone AO (high risk)
APN	`031-123-014-000`

Property Details

APN / Parcel Number

Primary APN	`031-123-014-000`
Alternative APN	`031-123-014`

Exterior

Lot Area	15,000 sqft (0.344 acres)

Location & Zoning

Old Parcel Number	031-123-014
Street Address	820 W 18TH ST
City	MERCED
State	CA
Zip	95340-4605
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CC
Legal Description	MERCED LOTS 3&4 BLK 166
Legal Subdivision	MERCED
Legal Block	166
Legal Lot Number	3,4
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3021
Census Tract	1301

Owner

820 W 18th St, a commercial property, is owned by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	820 W 18TH ST, MERCED, CA 95340-4605
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 5, 2019	Deed of Trust, Mortgage CEN CAL BUSN FIN
May 30, 2019	Deed of Trust, Mortgage WESTAMERICA BK
May 16, 2019	Grant Deed, Transfer · Commercial Mortgage WESTAMERICA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2019 · Amount on File
Deed Sale	May 16, 2019 · Amount on File
Prior Sale	Dec 11, 2002 · Amount on File
Deed Document Number	201913998
Prior Transfer Date	Jul 31, 2004
Prior Transfer Doc	0000008198
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	820 W 18TH ST, MERCED, CA 95340-4605
Document Number	0000017218
Instrument Date	Jun 5, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	820 W 18TH ST MERCED CA 953404605, MERCED, CA 95340-4605

Mortgage

Document Number	0000017218
Date	Jun 12, 2019
Instrument	17218

Lender

Name	CEN CAL BUSN FIN
Type	Funding / Finance Company
Address	FRESNO, CA 93711

Agreement

Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	820 W 18TH ST, MERCED, CA 95340-4605
Document Number	0000017222
Instrument Date	May 30, 2019
Transaction Type	Mortgage
Record Updated	Jul 12, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 W 18TH ST MERCED CA 953404605, MERCED, CA 95340-4605

Mortgage

Document Number	0000017222
Date	Jun 12, 2019
Instrument	17222

Lender

Name	WESTAMERICA BK
Type	Bank
Address	MERCED, CA 95348

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jun 11, 2044

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	May 16, 2019
Property Address	820 W 18TH ST, MERCED, CA 95340-4605
Document Number	0000013998
Map Reference	MB 2 PG 12
Instrument Date	Mar 28, 2019
Instrument	2019013998
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	820 W 18TH ST, MERCED, CA 95340-4605

Mortgage

Document Number	0000013999
Date	May 16, 2019
Instrument	2019013999

Lender

Name	WESTAMERICA BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 820 W 18th St was $4,434.

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		$341,344 (+2%) Land $136,537 Building $204,807
2025	$4,434.00	$334,652 Land $133,860 Building $200,792
2023	$4,169.00 (+14.34%)	$321,659 Land $128,663 Building $192,996
2022	$3,646.00

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

Flood

FEMA maps place 820 W 18th St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 83 policies
Nearby Flood Policies	83 in force
Nearby Flood Claims	3 (1999–2012)
Most Recent Claim	Dec 2012 · rainfall accumulation

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

The area around 820 W 18th St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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