187 Oak Dr, San Rafael, CA 94901 Property Records

Marin County property record for 187 Oak Dr, San Rafael, CA 94901

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,170 sqft · built 1964
Lot Size	0.372 acres (16,200 sqft)
Owner	2 Trust Names on File
Tax Bill	$11,353 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2026 Reverse Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`186-153-35`

Property Details

APN / Parcel Number

Primary APN	`186-153-35`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	4,170 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1967
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	16,200 sqft (0.372 acres)
Deck Area	598 sqft
Patio Area	598 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	187 OAK DR
City	SAN RAFAEL
State	CA
Zip	94901-2547
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	MARIN CA
Township / Civil Division	SAN RAFAEL
Census Block Group	2
Census Block	2012
Census Tract	110200

Owner

187 Oak Dr is owner-occupied and held in a trust since November 1997.

Source: Marin County records, as of July 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	187 OAK DR, SAN RAFAEL, CA 94901-2547
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
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 3, 2026	Grant Deed, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Sep 10, 2025	Intrafamily Transfer, Transfer
Jan 16, 2020	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 25, 1997
Transfer Doc	0000069976
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	187 OAK DR, SAN RAFAEL, CA 94901-2547
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 OAK DR, SAN RAFAEL, CA 94901-2547

Mortgage

Document Number	0000049598
Date	Aug 4, 2021
Instrument	2021-0049598

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Apr 3, 2026
Property Address	187 OAK DR, SAN RAFAEL, CA 94901-2547
Document Number	0000009807
Instrument Date	Mar 9, 2026
Instrument	20269807
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FC TITLE, FNC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	187 OAK DR, SAN RAFAEL, CA 94901-2547

Mortgage

Document Number	0000009808,
Date	Apr 3, 2026
Instrument	20269808

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	823 Months
Due	Nov 23, 2094

Interest

Rate	6.01%
Max Rate	-1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MARIN CA
Recording Date	Sep 10, 2025
Property Address	187 OAK DR, SAN RAFAEL, CA 94901-2547
Document Number	0000023533
Map Reference	MB 3 PG 71
Instrument Date	Sep 4, 2025
Instrument	2025-0023533
Transaction Type	Transfer
Record Updated	Sep 26, 2025

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	187 OAK DR, SAN RAFAEL, CA 94901-2547

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	187 OAK DR, SAN RAFAEL, CA 94901-2547
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002043
Date	Jan 16, 2020
Instrument	2020-0002043

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 187 Oak Dr was $11,353.

Source: Marin County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Marin County
Municipality	San Rafael City
Elementary School District	San Rafael City Elementary School District (KG - 08)
Secondary School District	San Rafael City High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$802,919 (+8.73%) Land $274,300 Building $528,619
2025	$11,353.00	$738,471 Land $268,923 Building $469,548
2023	$10,305.00 (+5.66%) Homeowner's exemption	$709,801 Land $258,482 Building $451,319
2022	$9,753.00

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

Flood

FEMA maps place 187 Oak Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 37 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	2 (1983–1995)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 1995 · rainfall accumulation

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 187 Oak Dr 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 95% of the US · lower than 97% 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	MARIN MUNICIPAL WATER DISTRICT serves 188,116 people · EPA ID CA2110002
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2019–2021) 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 189 locations within half a mile, as of December 31, 2025

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

May also be available: Sonic Telecom.

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