191 Amberwind Cir, Oakley, CA 94561 Property Records

Contra Costa County property record for 191 Amberwind Cir, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,170 sqft · built 2017
Lot Size	0.079 acres (3,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Nov 2024)
Tax Bill	$13,640 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2025 Line of Credit + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`037-580-012-5`

Property Details

APN / Parcel Number

Primary APN	`037-580-012-5`
Alternative APN	`037-580-012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
1st Floor Area	1,052 sqft
2nd Floor Area	1,118 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	3,440 sqft (0.079 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	191 AMBERWIND CIR
City	OAKLEY
State	CA
Zip	94561-5093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9351 L416
Legal Subdivision	SUBDIVISION 9351
Legal Tract	9351
Legal Lot Number	416
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1014
Census Tract	302011

Owner

Source: Contra Costa County records, as of October 2, 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	191 AMBERWIND CIR, OAKLEY, CA 94561-5093
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Deed of Trust, Mortgage · Line of Credit SAXTON MORTGAGE
Dec 8, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 13, 2021	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
Apr 10, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2024 · Amount on Record
Deed Sale	Nov 7, 2024 · Amount on Record
Prior Sale	Jan 13, 2021 · Amount on Record
Deed Document Number	2024120614
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 25, 2026
Property Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093
Document Number	0000100786
Instrument Date	Sep 14, 2026
Instrument	2026100786
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093

Mortgage

Document Number	0000100786,
Date	Sep 25, 2026
Instrument	2026100786

Lender

Name	SAXTON MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093

Mortgage

Document Number	0000136735
Date	Dec 8, 2025
Instrument	2025- 136735

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2055

Interest

Change Frequency	Monthly

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 13, 2021
Property Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093
Document Number	0000011650
Map Reference	MB 527 PG 6
Instrument Date	Jan 9, 2021
Instrument	2021-011650
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093

Mortgage

Document Number	0000011651
Date	Jan 13, 2021
Instrument	2021-011651

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 10, 2018
Property Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093
Document Number	0000054947
Map Reference	MB 527 PG 6
Instrument Date	Nov 7, 2017
Instrument	2018-054947
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 AMBERWIND CIR, OAKLEY, CA 94561-5093

Mortgage

Document Number	0000054948
Date	Apr 10, 2018
Instrument	2018-054948

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Oakley City
Secondary School District	Liberty Union High School District (09 - 12)
Elementary School District	Oakley Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$714,000 (+2%) Land $224,400 Building $489,600
2025	$13,640.00 (+4.63%)	$700,000 (+7.65%) Land $220,000 Building $480,000
2023	$13,037.00 (+1.9%)	$650,250 Land $171,666 Building $478,584
2022	$12,794.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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	DIABLO WATER DISTRICT serves 47,158 people · EPA ID CA0710007
Water Source	Purchased surface water from RANDALL-BOLD WATER TREATMENT PLANT
Last State Inspection	Jan 2024
Also Mapped Here	CONTRA COSTA WATER DISTRICT
Lead	2 ppb (2020–2022) 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 762 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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