2248 el Lago Dr, Oakley, CA 94561 Property Records

Contra Costa County property record for 2248 el Lago Dr, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 1995
Lot Size	0.114 acres (4,950 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Sep 2009)
Tax Bill	$3,951 (2025)
Deeds & Mortgages	May 2022 Reverse Mortgage Jan 2021 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-220-002-4`

Property Details

APN / Parcel Number

Primary APN	`041-220-002-4`
Alternative APN	`041-220-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,617 sqft Living Area
1st Floor Area	1,617 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Lot Area	4,950 sqft (0.114 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2248 EL LAGO DR
City	OAKLEY
State	CA
Zip	94561-4165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	T7707 L2
Legal Subdivision	SUBDIVISION 7707
Legal Tract	7707
Legal Lot Number	2
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1002
Census Tract	302013

Owner

2248 el Lago Dr is owned and occupied by two individuals who acquired it in August 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	2248 EL LAGO DR, OAKLEY, CA 94561-4165
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
May 24, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jan 20, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Apr 22, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Apr 22, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2009 · Amount on File
Deed Sale	Sep 25, 2009 · Amount on File
Prior Sale	Nov 4, 2005 · Amount on File
Deed Document Number	2009226797
Last Transfer Date	Aug 25, 2015
Transfer Doc	0000189595
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2248 EL LAGO DR, OAKLEY, CA 94561-4165
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2248 EL LAGO DR, OAKLEY, CA 94561-4165

Mortgage

Document Number	0000087902
Date	May 24, 2022
Instrument	2022-087902

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.26%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.26%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2248 EL LAGO DR, OAKLEY, CA 94561-4165
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	BOSTON NATIONAL TITLE L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2248 EL LAGO DR, OAKLEY, CA 94561-4165

Mortgage

Document Number	0000016900
Date	Jan 20, 2021
Instrument	2021-016900

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Index	1-Year LIBOR

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2248 EL LAGO DR, OAKLEY, CA 94561-4165
Document Number	0000075565
Instrument Date	Apr 22, 2017
Transaction Type	Mortgage
Record Updated	May 10, 2017
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2248 EL LAGO DR OAKLEY CA 945614165, OAKLEY, CA 94561-4165

Mortgage

Document Number	0000075565
Date	May 2, 2017
Instrument	75565

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.32%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2248 EL LAGO DR, OAKLEY, CA 94561-4165
Document Number	0000075566
Instrument Date	Apr 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2248 EL LAGO DR OAKLEY CA 945614165, OAKLEY, CA 94561-4165

Mortgage

Document Number	0000075566
Date	May 2, 2017
Instrument	75566

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.32%

Tax Assessment & Valuation

The 2025 property tax bill for 2248 el Lago Dr was $3,951.

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Oakley City
Unified School District	Antioch Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$223,813 (+2%) Land $39,491 Building $184,322
2025	$3,951.00	$219,425 Land $38,717 Building $180,708
2023	$3,789.00 (+1.5%)	$210,906 Land $37,214 Building $173,692
2022	$3,733.00

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

Flood

FEMA maps place 2248 el Lago Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 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 2248 el Lago Dr is low, with less than 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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