938 Ash Ave, Los Banos, CA 93635 Property Records

Merced County property record for 938 Ash Ave, Los Banos, CA 93635

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,130 sqft · built 1962
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Jul 2018)
Tax Bill	$2,924 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`431-020-006-000`

Property Details

APN / Parcel Number

Primary APN	`431-020-006-000`
Alternative APNs	`083050006000` `431-020-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,130 sqft Living Area
Gross Area	1,517 sqft
1st Floor Area	1,130 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1965
Architectural Style	L-Shape
Construction Type	Wood
Roof Material	Other
Lot Area	7,100 sqft (0.163 acres)
Garage Type	Attached
Garage Area	387 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Old Parcel Number	431-020-006
Street Address	938 ASH AVE
City	LOS BANOS
State	CA
Zip	93635-4511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOS BANOS GDN LOT 5
Legal Subdivision	LOS BANOS GARDEN
Legal Lot Number	5
Jurisdiction	MERCED CA
Township / Civil Division	LOS BANOS
Census Block Group	4
Census Block	4003
Census Tract	2301

Owner

938 Ash Ave is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	938 ASH AVE, LOS BANOS, CA 93635-4511
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
Mar 6, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 31, 2018	Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Deed Document Number	201823169
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	938 ASH AVE, LOS BANOS, CA 93635-4511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007863
Date	Mar 6, 2020
Instrument	2020007863

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Sep 1, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Jul 31, 2018
Property Address	938 ASH AVE, LOS BANOS, CA 93635-4511
Document Number	0000023169
Map Reference	MB 15 MAP 45-51
Instrument Date	Jul 20, 2018
Instrument	2018023169
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN 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	938 ASH AVE, LOS BANOS, CA 93635-4511

Mortgage

Document Number	0000023170
Date	Jul 31, 2018
Instrument	2018023170

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 938 Ash Ave was $2,924, down 1.2% 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		$273,072 (+2%) Land $96,712 Building $176,360
2025	$2,924.00 (-1.25%)	$267,718 Land $94,816 Building $172,902
2024	$2,961.00 (+5.86%)
2023	$2,797.00 (+1.49%)	$257,324 Land $91,135 Building $166,189
2022	$2,756.00

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

Flood

FEMA maps place 938 Ash Ave 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

Wildfire risk around 938 Ash Ave is low, with less than 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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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 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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