930 Garden St, Los Banos, CA 93635 Property Records

Merced County property record for 930 Garden St, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,021 sqft · built 2001
Lot Size	0.141 acres (6,120 sqft)
Owner	2 Trust Names on File
Last Sale	$493,000 (Nov 2024)
Tax Bill	$5,894 (2025)
Deeds & Mortgages	Sep 2025 Transfer Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`431-124-013-000`

Property Details

APN / Parcel Number

Primary APN	`431-124-013-000`
Alternative APNs	`083334013000` `431-124-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
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 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	6,120 sqft (0.141 acres)
Garage Type	Attached
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Old Parcel Number	431-124-013
Street Address	930 GARDEN ST
City	LOS BANOS
State	CA
Zip	93635-4559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOS BANOS GDN #3 UNIT #1 LOT 53
Legal Subdivision	LOS BANOS GARDEN 03
Legal Lot Number	53
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	4
Census Block	4016
Census Tract	2301

Owner

930 Garden St is owner-occupied and held in a trust since November 2024.

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 Trust Names on File
Mailing Address	930 GARDEN ST, LOS BANOS, CA 93635-4559
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Intrafamily Transfer, Transfer
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Prior Sale	Nov 30, 2010
Deed Document Number	202427474
Prior Transfer Date	Oct 13, 2015
Prior Transfer Doc	0000036558
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MERCED CA
Recording Date	Sep 9, 2025
Property Address	930 GARDEN ST, LOS BANOS, CA 93635-4559
Document Number	0000024093
Map Reference	MB 50 PG 44-48
Instrument Date	Sep 4, 2025
Instrument	2025024093
Transaction Type	Transfer
Record Updated	Oct 10, 2025

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
Relationship	Family Trust
Address	930 GARDEN ST, LOS BANOS, CA 93635-4559

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	930 GARDEN ST, LOS BANOS, CA 93635-4559
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	930 GARDEN ST, LOS BANOS, CA 93635-4559

Mortgage

Document Number	0000029572
Date	Aug 26, 2020
Instrument	2020029572

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	930 GARDEN ST, LOS BANOS, CA 93635-4559
Document Number	0000019737
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018
Title Company	TRANSCOUNTY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	930 GARDEN ST LOS BANOS CA 936354559, LOS BANOS, CA 93635-4559

Mortgage

Document Number	0000019737
Date	Jun 29, 2018
Instrument	19737

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 930 Garden St was $5,894.

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		$502,860 (+2%) Land $132,600 Building $370,260
2025	$5,894.00	$493,000 Land $130,000 Building $363,000
2023	$2,508.00 (+2.83%)	$190,861 Land $12,309 Building $178,552
2022	$2,439.00

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 930 Garden St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 4, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 930 Garden 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 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 477 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: AT&T.

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