10919 Cotter St, Oakland, CA 94605 Property Records

Alameda County property record for 10919 Cotter St, Oakland, CA 94605

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,569 sqft · built 1957
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,460 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`48-6299-37`

Property Details

APN / Parcel Number

Primary APN	`48-6299-37`
Alternative APN	`048-6299-037-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,569 sqft Living Area
1st Floor Area	1,569 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1958
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)

Location & Zoning

Street Address	10919 COTTER ST
City	OAKLAND
State	CA
Zip	94605-5604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00045 BLK: TR: 1703
Legal Subdivision	TRACT 1703
Legal Tract	1703
Legal Lot Number	45
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	4
Census Block	4009
Census Tract	409900

Owner

10919 Cotter St is owned and occupied by two individuals who acquired it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	10919 COTTER ST, OAKLAND, CA 94605-5604
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
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 3, 2025	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 12, 2019	Affidavit of Death, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 1, 2019
Transfer Doc	0000230354
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	10919 COTTER ST, OAKLAND, CA 94605-5604
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10919 COTTER ST, OAKLAND, CA 94605-5604

Mortgage

Document Number	0000301384
Date	Sep 7, 2021
Instrument	2021301384

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Sep 3, 2025
Property Address	10919 COTTER ST, OAKLAND, CA 94605-5604
Document Number	0000110353
Map Reference	MB 38 PG 2 & 3
Instrument Date	Aug 25, 2025
Instrument	2025110353
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	2020 TITLE LLC, 20 20 TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10919 COTTER ST, OAKLAND, CA 94605-5604

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10919 COTTER ST, OAKLAND, CA 94605-5604

Mortgage

Document Number	0000110354
Date	Sep 3, 2025
Instrument	2025110354

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	10919 COTTER ST, OAKLAND, CA 94605-5604
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10919 COTTER ST, OAKLAND, CA 94605-5604

Mortgage

Document Number	0000337922
Date	Dec 7, 2020
Instrument	2020337922

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Aug 1, 2050

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ALAMEDA CA
Recording Date	Nov 12, 2019
Property Address	10919 COTTER ST, OAKLAND, CA 94605-5604
Document Number	0000230354
Instrument Date	Nov 1, 2019
Instrument	230354
Transaction Type	Transfer
Record Updated	Dec 11, 2019
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10919 COTTER ST OAKLAND CA 946055604, OAKLAND, CA 94605-5604

Mortgage

Document Number	230355
Date	Nov 12, 2019
Instrument	230355

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10919 Cotter St was $4,460.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,085 (-1.72%) Land $101,039 Building $91,046
2025	$4,460.00 Homeowner's exemption	$188,319 Land $99,058 Building $89,261
2023	$4,261.00 Homeowner's exemption	$181,006 Land $95,211 Building $85,795	$845,910

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

Flood

FEMA maps place 10919 Cotter St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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 Claims	3 (1982–1983)
Most Recent Claim	Feb 1983 · Coastal Storms, Floods, Slides & Tornadoes
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Feb 1983 · 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

Wildfire risk around 10919 Cotter St is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · lower than 75% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 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

May also be available: Etheric Networks, Unwired.

Cell Coverage

5G (outdoors only) and 4G LTE

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