865 Sandra St, Los Banos, CA 93635 Property Records

Merced County property record for 865 Sandra St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,021 sqft · built 2000
Lot Size	0.152 acres (6,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$388,000 (Mar 2019)
Tax Bill	$5,057 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`431-182-005-000`

Property Details

APN / Parcel Number

Primary APN	`431-182-005-000`
Alternative APNs	`083432005000` `431-182-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,021 sqft Living Area
Gross Area	2,636 sqft
1st Floor Area	2,021 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,606 sqft (0.152 acres)
Garage Type	Attached
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	431-182-005
Street Address	865 SANDRA ST
City	LOS BANOS
State	CA
Zip	93635-5242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOS BANOS GDN #4-4 & 5 LOT 191
Legal Subdivision	LOS BANOS GARDEN 04 04 05
Legal Lot Number	191
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	3
Census Block	3001
Census Tract	2301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	865 SANDRA ST, LOS BANOS, CA 93635-5242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Feb 10, 2020	Deed of Trust, Mortgage · VA Mortgage PLANET HM LNDG
Mar 13, 2019	Grant Deed, Transfer · VA Mortgage RESIDENTIAL BANCORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2019 · Amount on Record
Deed Sale	Mar 13, 2019 · Amount on Record
Prior Sale	Jul 8, 2016 · Amount on Record
Deed Document Number	20197140
Prior Transfer Date	Jul 15, 2005
Prior Transfer Doc	0000055913
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	865 SANDRA ST, LOS BANOS, CA 93635-5242
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 SI4DRA STREET, LOS BANOS, CA 93635

Mortgage

Document Number	0000014955
Date	Apr 2, 2021
Instrument	2021014955

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Feb 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	865 SANDRA ST, LOS BANOS, CA 93635-5242
Document Number	0000005653
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	865 SANDRA ST LOS BANOS CA 936355242, LOS BANOS, CA 93635-5242

Mortgage

Document Number	0000005653
Date	Feb 19, 2020
Instrument	5653

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Mar 13, 2019
Property Address	865 SANDRA ST, LOS BANOS, CA 93635-5242
Document Number	0000007140
Instrument Date	Mar 8, 2019
Instrument	7140
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$426.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	865 SANDRA ST LOS BANOS CA 936355242, LOS BANOS, CA 93635-5242

Mortgage

Document Number	7141
Date	Mar 13, 2019
Instrument	7141

Lender

Name	RESIDENTIAL BANCORP
Type	Mortgage Company
Address	DIAMOND BAR, CA 91765

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2049

Tax Assessment & Valuation

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		$441,472 (+2%) Land $96,712 Building $344,760
2025	$5,057.00 (+5.51%)	$432,816 (+4.04%) Land $94,816 Building $338,000
2023	$4,793.00 (+1.91%)	$416,011 Land $91,135 Building $324,876
2022	$4,703.00

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

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

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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