18481 Watters Dr, Castro Valley, CA 94546 Property Records

Alameda County property record for 18481 Watters Dr, Castro Valley, CA 94546

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,639 sqft · built 1972
Lot Size	0.187 acres (8,160 sqft)
Owner	2 Individual Names on File
Last Sale	$755,000 (Sep 2015)
Tax Bill	$11,945 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2026 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`84D-1212-1-15`

Property Details

APN / Parcel Number

Primary APN	`84D-1212-1-15`
Alternative APN	`084D-1212-001-15`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,639 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1978
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	8,160 sqft (0.187 acres)

Location & Zoning

Street Address	18481 WATTERS DR
City	CASTRO VALLEY
State	CA
Zip	94546-2256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00015 BLK: 0001 AR: 084D PAGE: 1212
Legal Subdivision	TOWNSHIP/CASTRO VLY
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	2
Census Block	2007
Census Tract	430300

Owner

18481 Watters Dr is owned and occupied by two individuals who bought it in September 2015.

Source: Alameda County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage PLUMAS BANK
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CREDIT UNION
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Aug 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Aug 18, 2017	Deed of Trust, Mortgage FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2015 · Amount on File
Deed Sale	Sep 29, 2015 · Amount on File
Deed Document Number	2015265747
Prior Transfer Date	Apr 7, 2011
Prior Transfer Doc	0000164976
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Recording Date	Sep 2, 2026
Property Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256
Document Number	0000112608
Instrument Date	Aug 24, 2026
Instrument	2026112608
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256

Mortgage

Document Number	0000112608,
Date	Sep 2, 2026
Instrument	2026112608

Lender

Name	PLUMAS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 24, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Recording Date	Jul 6, 2026
Property Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256
Document Number	0000087142
Instrument Date	Jun 26, 2026
Instrument	202687142
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256

Mortgage

Document Number	0000087142,
Date	Jul 6, 2026
Instrument	202687142

Lender

Name	GOLDEN 1 CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	CONSUMERS TITLE COMPANY, CONSUMERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256

Mortgage

Document Number	0000197234
Date	May 26, 2021
Instrument	2021197234

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256

Mortgage

Document Number	0000361724
Date	Dec 23, 2020
Instrument	2020361724

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE AND CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152602
Date	Aug 7, 2019
Instrument	2019152602

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	18481 WATTERS DR, CASTRO VALLEY, CA 94546-2256
Document Number	0000199861
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 13, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	18481 WATTERS DR CASTRO VALLEY CA 945462256, CASTRO VALLEY, CA 94546-2256

Mortgage

Document Number	0000199861
Date	Sep 12, 2017
Instrument	199861

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 18481 Watters Dr was $11,945 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Unified School District	Castro Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$957,573 (+1.26%) Land $273,485 Building $691,088
2025	$11,945.00 Homeowner's exemption	$945,663 Land $268,123 Building $677,540
2023	$10,909.00 Homeowner's exemption	$859,045 Land $257,713 Building $601,332	$1,267,740

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

Flood

FEMA maps place 18481 Watters Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
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

Wildfire risk around 18481 Watters Dr is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 938 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Etheric Networks Fixed Wireless	250 / 100

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

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