862 Sandra St, Los Banos, CA 93635 Property Records

Merced County property record for 862 Sandra St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,435 sqft · built 2000
Lot Size	0.149 acres (6,481 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Jul 2026)
Tax Bill	$2,681 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`431-181-015-000`

Property Details

APN / Parcel Number

Primary APN	`431-181-015-000`
Alternative APNs	`083431015000` `431-181-015`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,435 sqft Living Area
Gross Area	693 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	6,481 sqft (0.149 acres)
Garage Type	Attached
Garage Area	693 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	431-181-015
Street Address	862 SANDRA ST
City	LOS BANOS
State	CA
Zip	93635-5241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOS BANOS GDN #4-4 & 5 LOT 227
Legal Subdivision	LOS BANOS GARDEN 04 04 05
Legal Lot Number	227
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	3
Census Block	3029
Census Tract	2301

Owner

862 Sandra St is owned and occupied by two individuals who acquired it in July 2026.

Source: Merced County records, as of September 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	862 SANDRA ST, LOS BANOS, CA 93635-5241
Occupancy	Owner Occupied
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
Aug 6, 2026	Grant Deed, Transfer STEWART TITLE, STEWART TITLE OF CALIFORNIA
Jul 14, 2026	Grant Deed, Transfer · Conventional Mortgage LOAN STORE
Jan 10, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	May 17, 2002 · Amount on File
Deed Document Number	202618895
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000021188
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 6, 2026
Property Address	862 SANDRA ST, LOS BANOS, CA 93635-5241
Document Number	0000021188
Instrument Date	Jul 30, 2026
Instrument	202621188
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	862 SANDRA ST, LOS BANOS, CA 93635-5241

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 14, 2026
Property Address	862 SANDRA ST, LOS BANOS, CA 93635-5241
Document Number	0000018895
Instrument Date	Jul 10, 2026
Instrument	202618895
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,994.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	862 SANDRA ST, LOS BANOS, CA 93635-5241

Mortgage

Document Number	0000018896,
Date	Jul 14, 2026
Instrument	202618896

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Jan 10, 2017
Property Address	862 SANDRA ST, LOS BANOS, CA 93635-5241
Document Number	0000001052
Map Reference	VOL50 PG13-17
Instrument Date	Dec 22, 2016
Instrument	2017001052
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 SANDRA ST, LOS BANOS, CA 93635-5241

Mortgage

Document Number	0000001053
Date	Jan 10, 2017
Instrument	2017001053

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 862 Sandra St was $2,681, up % from the year before.

Source: Merced County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Los Banos City
Unified School District	Los Banos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$218,540 (+2%) Land $16,321 Building $202,219
2025	$2,681.00 (+0.04%)	$214,255 Land $16,001 Building $198,254
2024	$2,680.00 (+6.31%)
2023	$2,521.00 (+2.35%)	$205,937 Land $15,381 Building $190,556
2022	$2,463.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 862 Sandra St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 862 Sandra St is moderate, ranking above 42% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 75% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LOS BANOS serves 48,896 people · EPA ID CA2410005
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 260 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

May also be available: T-Mobile.

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