2124 Harborage Way, Oakley, CA 94561 Property Records

Contra Costa County property record for 2124 Harborage Way, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2010
Lot Size	0.12 acres (5,240 sqft)
Owner	2 Individual Names on File
Last Sale	$590,000 (Jul 2021)
Tax Bill	$11,068 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`032-510-005-5`

Property Details

APN / Parcel Number

Primary APN	`032-510-005-5`
Alternative APN	`032-510-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Cluster
Lot Area	5,240 sqft (0.12 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2124 HARBORAGE WAY
City	OAKLEY
State	CA
Zip	94561-3537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8955 L231
Legal Subdivision	SUBDIVISION 8955
Legal Tract	8955
Legal Lot Number	231
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	3
Census Block	3025
Census Tract	301000

Owner

2124 Harborage Way is owned and occupied by two individuals who bought it in July 2021.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 23, 2021	Grant Deed, Transfer · FHA Mortgage MOUNTAIN WEST FINANCIAL INC
Apr 20, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Jun 21, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Jan 24, 2017	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Prior Sale	Jan 24, 2017 · Amount on File
Deed Document Number	2021207976
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537

Mortgage

Document Number	0000183535
Date	Aug 26, 2020
Instrument	2020-183535

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	NEILLSVILLE, WI 54456

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 23, 2021
Property Address	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537
Document Number	0000207976
Map Reference	MB 490 PG 31
Instrument Date	Jul 15, 2021
Instrument	2021-207976
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537

Mortgage

Document Number	0000207977
Date	Jul 23, 2021
Instrument	2021-207977

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537
Document Number	0000058343
Instrument Date	Apr 20, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2124 HARBORAGE WAY OAKLEY CA 945613537, OAKLEY, CA 94561-3537

Mortgage

Document Number	0000058343
Date	Apr 25, 2019
Instrument	58343

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537
Document Number	0000116797
Instrument Date	Jun 21, 2017
Transaction Type	Mortgage
Record Updated	Jul 7, 2017
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2124 HARBORAGE WAY OAKLEY CA 945613537, OAKLEY, CA 94561-3537

Mortgage

Document Number	0000116797
Date	Jun 29, 2017
Instrument	116797

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 24, 2017
Property Address	2124 HARBORAGE WAY, OAKLEY, CA 94561-3537
Document Number	0000014692
Instrument Date	Jan 18, 2017
Instrument	14692
Transaction Type	Transfer
Record Updated	Jan 31, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.55
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2124 HARBORAGE WAY OAKLEY CA 945613537, OAKLEY, CA 94561-3537

Mortgage

Document Number	14693,
Date	Jan 24, 2017
Instrument	14693

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2124 Harborage Way was $11,068 with a homeowner's exemption.

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		$588,000 (-) Land $144,509 Building $443,491
2025	$11,068.00 Homeowner's exemption	$588,000 Land $144,509 Building $443,491
2023	$10,725.00 (-0.77%)	$570,000 Land $140,000 Building $430,000
2022	$10,808.00

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

Flood

FEMA maps place 2124 Harborage Way in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 24 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	16 (1978–2017)
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Severe Winter Storm, Mud & Land Slides, & Flooding, Jan 1993 · 2 claims

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 2124 Harborage Way is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 46% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 137 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

Cell Coverage

5G (outdoors only) and 4G LTE

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