945 W Merced Trail Rd, Orange, CA 92865 Property Records

Orange County property record for 945 W Merced Trail Rd, Orange, CA 92865

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,987 sqft · built 1983
Lot Size	0.079 acres (3,450 sqft)
Owner	2 Company Names on Record
Last Sale	$622,000 (Dec 2019)
Tax Bill	$7,536 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`374-742-20`

Property Details

APN / Parcel Number

Primary APN	`374-742-20`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,987 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	3,450 sqft (0.079 acres)
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	945 W MERCED TRAIL RD
City	ORANGE
State	CA
Zip	92865-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 10539 BLK LOT 19
Legal Subdivision	TRACT 10539
Legal Tract	10539
Legal Lot Number	19
Jurisdiction	ORANGE CA
Township / Civil Division	ANAHEIM-SANTA ANA-GARDEN GROVE
Census Block Group	1
Census Block	1038
Census Tract	76204

Owner

Source: Orange County records, as of August 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Intrafamily Transfer, Transfer
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW WAVE LENDING GROUP INC
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Mar 28, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Dec 2, 2019	Grant Deed, Transfer · Conventional Mortgage TJ FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Prior Sale	May 28, 1998 · Amount on Record
Deed Document Number	2019501001
Last Transfer Date	Nov 18, 2025
Transfer Doc	0000332874
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE CA
Recording Date	Dec 1, 2025
Property Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016
Document Number	0000332874
Map Reference	MB 462 PG 25-29
Instrument Date	Nov 18, 2025
Instrument	2025000332874
Transaction Type	Transfer
Record Updated	Dec 16, 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
Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000366278
Date	Jul 29, 2020
Instrument	2020000366278

Lender

Name	NEW WAVE LENDING GROUP INC
Type	Non-Lending Institution
Address	ROWLAND HEIGHTS, CA 91748

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016

Mortgage

Document Number	0000644852
Date	Nov 9, 2020
Instrument	2020000644852

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016
Document Number	0000229317
Instrument Date	Mar 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	945 W MERCED TRAIL RD ORANGE CA 928652016, ORANGE, CA 92865-2016

Mortgage

Document Number	0000229317
Date	May 20, 2020
Instrument	229317

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

Interest

Rate Type	Adjustable Rate

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE CA
Recording Date	Dec 2, 2019
Property Address	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016
Document Number	0000501001
Map Reference	MB 462 PG 25-29
Instrument Date	Oct 30, 2019
Instrument	2019000501001
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	FIDELITY NATL TTL ORANGE CNT

Transaction

Amount	Amount Recorded
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	945 W MERCED TRAIL RD, ORANGE, CA 92865-2016

Mortgage

Document Number	0000501002
Date	Dec 2, 2019
Instrument	2019000501002

Lender

Name	TJ FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Orange City
Unified School District	Orange Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$693,849 (+2%) Land $477,089 Building $216,760
2025	$7,536.00 (+2.27%) Homeowner's exemption	$680,245 (+4.04%) Land $467,735 Building $212,510
2024	$7,369.00 (+2.28%)
2023	$7,205.00 (+1.98%) Homeowner's exemption	$653,831 Land $449,572 Building $204,259
2022	$7,065.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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

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 ORANGE serves 120,770 people · EPA ID CA3010027
Water Source	Purchased surface water from several systems
Last State Inspection	May 2023
Lead	2 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 605 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cosmo Network Solutions Fixed Wireless	350 / 150
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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