224 Harborage Ct, Oakley, CA 94561 Property Records

Contra Costa County property record for 224 Harborage Ct, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,776 sqft · built 2010
Lot Size	0.115 acres (5,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Mar 2013)
Tax Bill	$7,962 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`032-510-015-4`

Property Details

APN / Parcel Number

Primary APN	`032-510-015-4`
Alternative APN	`032-510-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,776 sqft Living Area
1st Floor Area	1,776 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Cluster
Lot Area	5,008 sqft (0.115 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	224 HARBORAGE CT
City	OAKLEY
State	CA
Zip	94561-3536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8955 L241
Legal Subdivision	SUBDIVISION 8955
Legal Tract	8955
Legal Lot Number	241
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	3
Census Block	3025
Census Tract	301000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	224 HARBORAGE CT, OAKLEY, CA 94561-3536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 29, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Oct 21, 2017	Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2013 · Amount on Record
Deed Sale	Mar 4, 2013 · Amount on Record
Prior Sale	Jul 12, 2012 · Amount on Record
Deed Document Number	201356107
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 2, 2026
Property Address	224 HARBORAGE CT, OAKLEY, CA 94561-3536
Document Number	0000070179
Instrument Date	Jun 10, 2026
Instrument	202670179
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 HARBORAGE CT, OAKLEY, CA 94561-3536

Mortgage

Document Number	0000070179,
Date	Jul 2, 2026
Instrument	202670179

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	224 HARBORAGE CT, OAKLEY, CA 94561-3536
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 HARBORAGE CT, OAKLEY, CA 94561-3536

Mortgage

Document Number	0000028318
Date	Jan 29, 2021
Instrument	2021-028318

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	224 HARBORAGE CT, OAKLEY, CA 94561-3536
Document Number	0000201929
Instrument Date	Oct 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	224 HARBORAGE CT OAKLEY CA 945613536, OAKLEY, CA 94561-3536

Mortgage

Document Number	0000201929
Date	Oct 26, 2017
Instrument	201929

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2047

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		$301,440 (+2%) Land $69,076 Building $232,364
2025	$7,962.00 (+4.9%)	$295,530 (+4.04%) Land $67,722 Building $227,808
2023	$7,590.00 (+3.15%)	$284,057 Land $65,094 Building $218,963
2022	$7,358.00

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
Flood Insurance Cost	Premium on Record 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

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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