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232 Harborage Ct, Oakley, CA 94561 Property Records

Contra Costa County property record for 232 Harborage Ct, Oakley, CA 94561 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,456 sqft · built 2009
Lot Size0.117 acres (5,110 sqft)
Owner2 Individual Names on File
Last Sale$345,000 (Feb 2015)
Tax Bill$9,181 (2025)
Deeds & MortgagesJan 2018 Mortgage
Feb 2020 Mortgage
+ 1 more
Flood ZoneZone X (reduced by levee)
APN032-510-016-2

Property Details

APN / Parcel Number

Primary APN032-510-016-2
Alternative APN
  • 032-510-016

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,456 sqft Living Area
1st Floor Area1,456 sqft

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Architectural StyleCluster
Lot Area5,110 sqft (0.117 acres)
Garage TypeAttached
Garage Area495 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address232 HARBORAGE CT
CityOAKLEY
StateCA
Zip94561-3536
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionT8955 L242
Legal SubdivisionSUBDIVISION 8955
Legal Tract8955
Legal Lot Number242
JurisdictionCONTRA COSTA CA
Township / Civil DivisionEAST CONTRA COSTA
Census Block Group3
Census Block3025
Census Tract301000

Owner

Source: Contra Costa County records · APN 032-510-016-2

Assessment roll updated July 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address232 HARBORAGE CT, OAKLEY, CA 94561-3536
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 09, 2018Deed of Trust, Mortgage · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC
Feb 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
PNC BANK NA
Dec 08, 2021Deed of Trust, Mortgage · Conventional Mortgage
PNC BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 24, 2015 · Amount on Record
Deed SaleFeb 24, 2015 · Amount on Record
Prior SaleDec 23, 2009 · Amount on Record
Deed Document Number201530695
Record UpdatedSep 20, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address232 HARBORAGE CT, OAKLEY, CA 94561-3536
Transaction TypeMortgage
Record UpdatedNov 03, 2022
Title CompanyOLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002781
DateJan 09, 2018
Instrument2018-002781
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
AddressROSEVILLE, CA 95661
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2048

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address232 HARBORAGE CT, OAKLEY, CA 94561-3536
Transaction TypeMortgage
Record UpdatedNov 03, 2022
Title CompanyNATIONALLINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000033421
DateFeb 24, 2020
Instrument2020-033421
Lender
NamePNC BANK NA
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address232 HARBORAGE CT, OAKLEY, CA 94561-3536
Transaction TypeMortgage
Record UpdatedNov 03, 2022
Title CompanyNATIONALLINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 HARBORAGE CT, OAKLEY, CA 94561-3536

Mortgage

Document Number0000333594
DateDec 08, 2021
Instrument2021-333594
Lender
NamePNC BANK NA
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

Tax Assessment & Valuation

Source: Contra Costa County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyContra Costa County
MunicipalityOakley City
Secondary School DistrictLiberty Union High School District (09 - 12)
Elementary School DistrictOakley Union Elementary School District (KG - 08)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$422,920 (+2%) Land $73,548 Building $349,372
2025$9,181.00 (+4.71%) Homeowner's exemption$414,628 (+4.04%) Land $72,106 Building $342,522
2023$8,768.00 (+2.87%) Homeowner's exemption$398,529 Land $69,307 Building $329,222
2022$8,523.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Contra Costa County (06013C), updated October 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060133010003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardReduced by levee
depends on levee performance
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 24 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies24 in force
Nearby Flood Claims16 (1978–2017)
Most Recent ClaimJan 2017, rainfall accumulation, Severe Winter Storms, Flooding, And Mudslides
Claims By Storm
  • 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

Wildfire

Wildfire RiskHigh
above 71% of the US · above 46% of California
Wildfire LikelihoodAbout 1 in 344 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 137 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
UnwiredFixed Wireless300 / 25
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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