826 W 10th St, Merced, CA 95341 Property Records

Merced County property record for 826 W 10th St, Merced, CA 95341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,636 sqft · built 1993
Lot Size	0.172 acres (7,498 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,643 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Apr 2019 Mortgage + 1 more
Flood Zone	Zone AO (high risk)
APN	`032-051-062-000`

Property Details

APN / Parcel Number

Primary APN	`032-051-062-000`
Alternative APN	`032-051-062`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	2,036 sqft
1st Floor Area	1,636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Tile
Lot Area	7,498 sqft (0.172 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	032-051-062
Street Address	826 W 10TH ST
City	MERCED
State	CA
Zip	95341-5834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	MERCED POR LOT 2 BLK 528
Legal Subdivision	MERCED
Legal Block	528
Legal Lot Number	2
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2029
Census Tract	1502

Owner

826 W 10th St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	826 W 10TH ST, MERCED, CA 95341-5834
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit MERCED SCHOOL EMPLOYEES FCU
Apr 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage MERCED SCHOOL EMPLOYEES FCU
Jul 28, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	826 W 10TH ST, MERCED, CA 95341-5834
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011359
Date	Apr 23, 2019
Instrument	2019011359

Lender

Name	MERCED SCHOOL EMPLOYEES FCU
Type	Credit Union
Address	MERCED, CA 95348

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 21, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	826 W 10TH ST, MERCED, CA 95341-5834
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011358
Date	Apr 23, 2019
Instrument	2019011358

Lender

Name	MERCED SCHOOL EMPLOYEES FCU
Type	Credit Union
Address	MERCED, CA 95348

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 21, 2029

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	826 W 10TH ST, MERCED, CA 95341-5834
Document Number	0000025561
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 W 10TH ST MERCED CA 953415834, MERCED, CA 95341-5834

Mortgage

Document Number	0000025561
Date	Aug 10, 2017
Instrument	25561

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 826 W 10th St was $1,643 with a homeowner's exemption.

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		$156,049 (+2%) Land $34,936 Building $121,113
2025	$1,643.00 Homeowner's exemption	$152,990 Land $34,251 Building $118,739
2023	$1,531.00 (+1.53%) Homeowner's exemption	$147,051 Land $32,922 Building $114,129
2022	$1,508.00

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

Flood

FEMA maps place 826 W 10th 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 51 policies
Nearby Flood Policies	51 in force
Nearby Flood Claims	3 (1998–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 826 W 10th St 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 535 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: Ayera Technologies, GeoLinks, T-Mobile.

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