978 Columbia Ave, Merced, CA 95340 Property Records

Merced County property record for 978 Columbia Ave, Merced, CA 95340

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,615 sqft · built 1978
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$376,500 (Aug 2021)
Tax Bill	$4,361 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`006-311-024-000`

Property Details

APN / Parcel Number

Primary APN	`006-311-024-000`
Alternative APN	`006-311-024`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,615 sqft Living Area
Gross Area	2,075 sqft
1st Floor Area	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Construction Type	Wood
Roof Material	Other
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	115 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	006-311-024
Street Address	978 COLUMBIA AVE
City	MERCED
State	CA
Zip	95340-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R16
Legal Description	W PK VIL #6 LOT 17
Legal Subdivision	WAINWRIGHTS PARK VILLAGE 06
Legal Lot Number	17
Jurisdiction	MERCED CA
Township / Civil Division	MERCED
Census Block Group	3
Census Block	3000
Census Tract	1101

Owner

978 Columbia Ave is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	978 COLUMBIA AVE, MERCED, CA 95340-1534
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
Aug 19, 2021	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERCO CU
Apr 13, 2017	Grant Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Apr 13, 2017 · Amount on File
Deed Document Number	202136875
Record Updated	Oct 29, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Aug 19, 2021
Property Address	978 COLUMBIA AVE, MERCED, CA 95340-1534
Document Number	0000036875
Map Reference	MB 23 PG 23
Instrument Date	Aug 5, 2021
Instrument	2021036875
Transaction Type	Transfer
Record Updated	Sep 23, 2021
Title Company	TRANSCOUNTY 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	978 COLUMBIA AVE, MERCED, CA 95340-1534

Mortgage

Document Number	0000036876
Date	Aug 19, 2021
Instrument	2021036876

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCED CA
Property Address	978 COLUMBIA AVE, MERCED, CA 95340-1534
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 COLUMBIA AVE, MERCED, CA 95340-1534

Mortgage

Document Number	0000028049
Date	Jun 24, 2021
Instrument	2021028049

Lender

Name	MERCO CU
Type	Credit Union
Address	MERCED, CA 95340

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MERCED CA
Recording Date	Apr 13, 2017
Property Address	978 COLUMBIA AVE, MERCED, CA 95340-1534
Document Number	0000011807
Map Reference	MB 23 PG 23
Instrument Date	Mar 6, 2017
Instrument	2017-011807
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TRANSCOUNTY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	978 COLUMBIA AVE, MERCED, CA 95340-1534

Mortgage

Document Number	0000011808
Date	Apr 13, 2017
Instrument	2017-011808

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 978 Columbia Ave was $4,361 with a homeowner's exemption.

Source: Merced County assessment roll, as of August 21, 2026

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
2026		$407,533 (+2%) Land $92,006 Building $315,527
2025	$4,361.00 Homeowner's exemption	$399,543 Land $90,202 Building $309,341
2023	$4,063.00 (+1.37%) Homeowner's exemption	$384,030 Land $86,700 Building $297,330
2022	$4,008.00

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

Flood

FEMA maps place 978 Columbia Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 47 policies
Nearby Flood Policies	47 in force
Nearby Flood Claims	6 (1995–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding

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 978 Columbia 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	None beyond 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 734 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks.

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