960 W 23rd St, Merced, CA 95340 Property Records

Merced County property record for 960 W 23rd St, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 895 sqft · built 1940
Lot Size	0.114 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Mar 2020)
Tax Bill	$2,056 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone AO (high risk)
APN	`030-162-002-000`

Property Details

APN / Parcel Number

Primary APN	`030-162-002-000`
Alternative APN	`030162002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	895 sqft Living Area
Gross Area	1,281 sqft
1st Floor Area	895 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1979
Architectural Style	Other
Construction Type	Tilt-Up Concrete
Lot Area	5,000 sqft (0.114 acres)
Garage Type	Attached
Garage Area	386 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	030162002
Street Address	960 W 23RD ST
City	MERCED
State	CA
Zip	95340-3515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MERCED POR LOT 15&16 BLK 70
Legal Subdivision	MERCED
Legal Block	70
Legal Lot Number	15,16 16
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	2
Census Block	2027
Census Tract	1301

Owner

Source: Merced County records, as of September 22, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	960 W 23RD ST, MERCED, CA 95340-3515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Mar 27, 2020	Grant Deed, Transfer · FHA Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2020 · Amount on Record
Deed Sale	Mar 27, 2020 · Amount on Record
Prior Sale	Dec 22, 2010
Deed Document Number	2020010498
Record Updated	Jun 7, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	960 W 23RD ST, MERCED, CA 95340-3515
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 W 23RD ST, MERCED, CA 95340-3515

Mortgage

Document Number	0000008308
Date	Feb 23, 2021
Instrument	2021008308

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Mar 27, 2020
Property Address	960 W 23RD ST, MERCED, CA 95340-3515
Document Number	0000010498
Instrument Date	Mar 25, 2020
Instrument	10498
Transaction Type	Transfer
Record Updated	May 1, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$193.00
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	960 W 23RD ST MERCED CA 953403515, MERCED, CA 95340-3515

Mortgage

Document Number	10499
Date	Mar 27, 2020
Instrument	10499

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

Tax Assessment & Valuation

Source: Merced County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Merced County
Municipality	Merced City
Elementary School District	Merced City Elementary School District (KG - 08)
Secondary School District	Merced Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,056.00 (+7.42%) Homeowner's exemption	$191,383 (+4.04%) Land $65,616 Building $125,767
2023	$1,914.00 (+1.43%) Homeowner's exemption	$183,953 Land $63,069 Building $120,884
2022	$1,887.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 130 policies
Nearby Flood Policies	130 in force
Nearby Flood Claims	8 (1995–2023)
Most Recent Claim	Jul 2023 · other causes
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

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 MERCED serves 96,073 people · EPA ID CA2410009
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	Under 1 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 461 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
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: Ayera Technologies, GeoLinks, T-Mobile.

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