1478 Clay St, Hayward, CA 94541 Property Records

Alameda County property record for 1478 Clay St, Hayward, CA 94541

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,196 sqft · built 1957
Lot Size	0.138 acres (6,000 sqft)
Owner	Trust Name on File
Tax Bill	$1,185 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`427-46-15`

Property Details

APN / Parcel Number

Primary APN	`427-46-15`
Alternative APN	`427-0046-015-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area

Exterior

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

Location & Zoning

Street Address	1478 CLAY ST
City	HAYWARD
State	CA
Zip	94541-4344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00015 BLK: AR: 0427 PAGE: 0046
Legal Subdivision	HIGHLAND
Legal Lot Number	17,18
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	4
Census Block	4001
Census Tract	436403

Owner

1478 Clay St is owner-occupied and held in a trust since April 2022.

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

Owner of Record	Trust Name on File
Mailing Address	4769 OLD DUBLIN RD, CASTRO VALLEY, CA 94552-4938
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
May 3, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CHANGE LENDING LLC
May 3, 2022	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Aug 17, 2017	Deed of Trust, Mortgage · ARM IMPAC MORTGAGE
Aug 11, 2017	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Aug 11, 2017	Quit Claim Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 29, 2022
Transfer Doc	0000087045
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	May 3, 2022
Property Address	1478 CLAY ST, HAYWARD, CA 94541-4344
Document Number	0000087045
Map Reference	MB 21 PG 71
Instrument Date	Apr 29, 2022
Instrument	2022087045
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	4769 OLD DUBLIN RD, CASTRO VALLEY, CA 94552-4938

Mortgage

Document Number	0000087046
Date	May 3, 2022
Instrument	2022087046

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	May 3, 2022
Property Address	1478 CLAY ST, HAYWARD, CA 94541-4344
Document Number	0000087047
Map Reference	MB 21 PG 71
Instrument Date	Apr 29, 2022
Instrument	2022087047
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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
Relationship	Living Trust
Address	4769 OLD DUBLIN RD, CASTRO VALLEY, CA 94552-4938

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	1478 CLAY ST, HAYWARD, CA 94541-4344
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000180545
Date	Aug 17, 2017
Instrument	2017180545

Lender

Name	IMPAC MORTGAGE
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	11.1%

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 11, 2017
Property Address	1478 CLAY ST, HAYWARD, CA 94541-4344
Document Number	0000175945
Instrument Date	Aug 8, 2017
Instrument	175945
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1478 CLAY ST HAYWARD CA 945414344, HAYWARD, CA 94541-4344

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 11, 2017
Property Address	1478 CLAY ST, HAYWARD, CA 94541-4344
Document Number	0000175946
Instrument Date	Aug 8, 2017
Instrument	175946
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1478 CLAY ST HAYWARD CA 945414344, HAYWARD, CA 94541-4344

Tax Assessment & Valuation

The 2025 property tax bill for 1478 Clay St was $1,185 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$70,275 (-7.24%) Land $34,261 Building $43,014
2025	$1,185.00 Homeowner's exemption	$75,759 Land $33,589 Building $42,170
2023	$1,158.00 Homeowner's exemption	$72,818 Land $32,285 Building $40,533	$735,300

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

Flood

FEMA maps place 1478 Clay St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1478 Clay St has no burnable land within ember reach, so its wildfire risk is not rated.

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 HAYWARD serves 162,954 people · EPA ID CA0110006
Water Source	Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 589 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, Sonic Telecom, T-Mobile, Verizon.

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