20018 Opal Ct, Castro Valley, CA 94546 Property Records

Alameda County property record for 20018 Opal Ct, Castro Valley, CA 94546

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,696 sqft · built 1947
Lot Size	0.129 acres (5,616 sqft)
Owner	Trust Name on File
Tax Bill	$2,828 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`84C-669-68`

Property Details

APN / Parcel Number

Primary APN	`84C-669-68`
Alternative APN	`084C-0669-068-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,696 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,616 sqft (0.129 acres)
Lot Depth	600 ft Depth

Location & Zoning

Street Address	20018 OPAL CT
City	CASTRO VALLEY
State	CA
Zip	94546-4619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00030 BLK: 0002 TR: 0807
Legal Tract	0807
Legal Block	2
Legal Lot Number	30
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	3
Census Block	3011
Census Tract	430800

Owner

20018 Opal Ct is owner-occupied and held in a trust since February 2006.

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

Owner of Record	Trust Name on File
Mailing Address	20018 OPAL CT, CASTRO VALLEY, CA 94546-4619
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
Oct 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Nov 2, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Nov 2, 2020	Deed of Trust, Mortgage · FHA Mortgage MUTUAL/OMAHA MTG LLC
Oct 20, 2017	Deed of Trust, Mortgage · Line of Credit FREMONT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 14, 2006
Transfer Doc	0000065369
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	20018 OPAL CT, CASTRO VALLEY, CA 94546-4619
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220207
Date	Oct 29, 2019
Instrument	2019220207

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	20018 OPAL CT, CASTRO VALLEY, CA 94546-4619
Document Number	0000318263
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20018 OPAL CT CASTRO VALLEY CA 945464619, CASTRO VALLEY, CA 94546-4619

Mortgage

Document Number	0000318263
Date	Nov 19, 2020
Instrument	318263

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.83%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	20018 OPAL CT, CASTRO VALLEY, CA 94546-4619
Document Number	0000318262
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20018 OPAL CT CASTRO VALLEY CA 945464619, CASTRO VALLEY, CA 94546-4619

Mortgage

Document Number	0000318262
Date	Nov 19, 2020
Instrument	318262

Lender

Name	MUTUAL/OMAHA MTG LLC
Address	3131 CAMINO DEL RIO N # 1100, SAN DIEGO, CA 92108-5712

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	20018 OPAL CT, CASTRO VALLEY, CA 94546-4619
Document Number	0000235562
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 22, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20018 OPAL CT CASTRO VALLEY CA 945464619, CASTRO VALLEY, CA 94546-4619

Mortgage

Document Number	0000235562
Date	Oct 25, 2017
Instrument	235562

Lender

Name	FREMONT BK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20018 Opal Ct was $2,828 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		$169,509 (-2.05%) Land $96,856 Building $79,653
2025	$2,828.00 Homeowner's exemption	$173,049 Land $94,958 Building $78,091
2023	$2,686.00 Homeowner's exemption	$166,329 Land $91,270 Building $75,059	$995,580

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

Flood

FEMA maps place 20018 Opal Ct 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

Wildfire risk around 20018 Opal Ct 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 777 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 · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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