103 Willow Ln, Union City, CA 94587 Property Records

Alameda County property record for 103 Willow Ln, Union City, CA 94587

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,677 sqft · built 1999
Lot Size	0.132 acres (5,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,000 (Jan 1999)
Tax Bill	$10,216 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`87-99-3`

Property Details

APN / Parcel Number

Primary APN	`87-99-3`
Alternative APN	`087-0099-003-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,677 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,764 sqft (0.132 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	103 WILLOW LN
City	UNION CITY
State	CA
Zip	94587-8029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00003 BLK: TR: 6907
Legal Subdivision	TRACT NO 6907
Legal Tract	6907
Legal Lot Number	3
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	1
Census Block	1021
Census Tract	440337

Owner

Source: Alameda County records, as of August 5, 2026

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	103 WILLOW LN, UNION CITY, CA 94587-8029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 20, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 29, 2019	Deed of Trust, Mortgage I3 LNDG
Mar 27, 2017	Deed of Trust, Mortgage · VA Mortgage REAL EST MTG NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 1999 · Amount on Record
Deed Sale	Jan 26, 1999 · Amount on Record
Deed Document Number	199930454
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	103 WILLOW LN, UNION CITY, CA 94587-8029
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WILLOW LN, UNION CITY, CA 94587-8029

Mortgage

Document Number	0000038680
Date	Mar 25, 2026
Instrument	2026038680

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	17911 VON KARMAN AVE STE 400, IRVINE, CA 92614

Agreement

Type	Line of Credit

Interest

Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	103 WILLOW LN, UNION CITY, CA 94587-8029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029240
Date	Feb 14, 2019
Instrument	2019029240

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	103 WILLOW LN, UNION CITY, CA 94587-8029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 WILLOW LN, UNION CITY, CA 94587-8029

Mortgage

Document Number	0000320567
Date	Nov 20, 2020
Instrument	2020320567

Lender

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

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	103 WILLOW LN, UNION CITY, CA 94587-8029
Document Number	0000227005
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 WILLOW LN UNION CITY CA 945878029, UNION CITY, CA 94587-8029

Mortgage

Document Number	0000227005
Date	Nov 6, 2019
Instrument	227005

Lender

Name	I3 LNDG
Address	LONGWOOD, FL 32750

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	103 WILLOW LN, UNION CITY, CA 94587-8029
Document Number	0000075626
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Apr 19, 2017
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 WILLOW LN UNION CITY CA 945878029, UNION CITY, CA 94587-8029

Mortgage

Document Number	0000075626
Date	Apr 3, 2017
Instrument	75626

Lender

Name	REAL EST MTG NTWK
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2047

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Municipality	Union City
Unified School District	New Haven Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$705,980 (+2.02%) Land $214,102 Building $498,878
2025	$10,216.00 (-3.03%) Homeowner's exemption	$692,001 (+3%) Land $209,904 Building $489,097
2024	$10,535.00 (+3.22%)
2023	$10,206.00 Homeowner's exemption	$671,864 Land $201,755 Building $470,109	$1,581,930

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · 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	1 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	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect 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	ALAMEDA COUNTY WATER DISTRICT serves 344,000 people · EPA ID CA0110001
Water Source	Surface water
Last State Inspection	Nov 2025
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 490 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Tekify Fiber & Wireless Fixed Wireless	1,000 / 220
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Sail Internet Fixed Wireless · DSL in parts of the area	200 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, RobinsonHSS.

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