20889 Rutledge Rd, Castro Valley, CA 94546 Property Records

Alameda County property record for 20889 Rutledge Rd, Castro Valley, CA 94546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,985 sqft · built 1938
Lot Size	0.478 acres (20,805 sqft)
Owner	2 Individual Names on File
Last Sale	$1,115,000 (Jun 2019)
Tax Bill	$15,463 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2019 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`84A-15-10`

Property Details

APN / Parcel Number

Primary APN	`84A-15-10`
Alternative APN	`084A-0015-010-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,985 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1940
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	20,805 sqft (0.478 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	20889 RUTLEDGE RD
City	CASTRO VALLEY
State	CA
Zip	94546-5418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00010 BLK: AR: 084A PAGE: 0015
Legal Subdivision	BAKER VISTA
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	2
Census Block	2006
Census Tract	431000

Owner

20889 Rutledge Rd is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	20889 RUTLEDGE RD, CASTRO VALLEY, CA 94546-5418
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CATHAY BANK
Jun 13, 2019	Grant Deed, Transfer MICHAEL LIU
Aug 14, 2017	Deed of Trust, Mortgage · Conventional with PMI CITYWIDE HMS LNS
Apr 7, 2017	Quit Claim Deed, Transfer · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2019 · Amount on File
Deed Sale	Jun 13, 2019 · Amount on File
Prior Sale	Apr 7, 2017
Deed Document Number	2019112337
Prior Transfer Date	Mar 9, 2017
Prior Transfer Doc	0000080415
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	20889 RUTLEDGE RD, CASTRO VALLEY, CA 94546-5418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TTL CO PLEASANT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156319
Date	Jul 6, 2020
Instrument	2020156319

Lender

Name	CATHAY BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jun 13, 2019
Property Address	20889 RUTLEDGE RD, CASTRO VALLEY, CA 94546-5418
Document Number	0000112337
Instrument Date	May 24, 2019
Instrument	112337
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,226.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20889 RUTLEDGE RD CASTRO VALLEY CA 945465418, CASTRO VALLEY, CA 94546-5418

Mortgage

Document Number	112338
Date	Jun 13, 2019
Instrument	112338

Lender

Name	MICHAEL LIU
Address	6038 SNAKE RD, OAKLAND, CA 94611-2616

Agreement

Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	20889 RUTLEDGE RD, CASTRO VALLEY, CA 94546-5418
Document Number	0000181429
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 14, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20889 RUTLEDGE RD CASTRO VALLEY CA 945465418, CASTRO VALLEY, CA 94546-5418

Mortgage

Document Number	0000181429
Date	Aug 18, 2017
Instrument	181429

Lender

Name	CITYWIDE HMS LNS
Type	Funding / Finance Company
Address	SANDY, UT 84070

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Apr 7, 2017
Property Address	20889 RUTLEDGE RD, CASTRO VALLEY, CA 94546-5418
Document Number	0000080415
Instrument Date	Mar 9, 2017
Instrument	80415
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	CERTIFIED DOCUMENT SOLUTIONS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	20889 RUTLEDGE RD CASTRO VALLEY CA 945465418, CASTRO VALLEY, CA 94546-5418

Mortgage

Document Number	80416
Date	Apr 7, 2017
Instrument	80416

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 20889 Rutledge Rd was $15,463 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		$1,261,657 (+1.44%) Land $380,597 Building $888,060
2025	$15,463.00 Homeowner's exemption	$1,243,781 Land $373,134 Building $870,647
2023	$14,904.00 Homeowner's exemption	$1,195,491 Land $358,647 Building $836,844	$1,184,580

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

Flood

FEMA maps place 20889 Rutledge Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · 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	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2023–2025)
Most Recent Claim	Dec 2025 · 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

The area around 20889 Rutledge Rd 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	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 459 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, DSL in parts of the area	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, T-Mobile, Verizon.

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