245 Amberwind Cir, Oakley, CA 94561 Property Records

Contra Costa County property record for 245 Amberwind Cir, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,723 sqft · built 2016
Lot Size	0.092 acres (3,987 sqft)
Owner	2 Individual Names on File
Last Sale	$730,000 (Sep 2021)
Tax Bill	$14,527 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`037-560-048-3`

Property Details

APN / Parcel Number

Primary APN	`037-560-048-3`
Alternative APN	`037-560-048`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,723 sqft Living Area
1st Floor Area	1,167 sqft
2nd Floor Area	1,556 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	3,987 sqft (0.092 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	245 AMBERWIND CIR
City	OAKLEY
State	CA
Zip	94561-5094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9349 L379
Legal Subdivision	SUBDIVISION # 9349
Legal Tract	9349
Legal Lot Number	379
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1009
Census Tract	302011

Owner

245 Amberwind Cir is owned and occupied by two individuals who bought it in September 2021.

Source: Contra Costa County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094
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
Oct 9, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 22, 2021	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Sep 10, 2019	Quit Claim Deed, Transfer · Conventional with PMI SUPREME LNDG
Mar 15, 2017	Grant Deed, Transfer · FHA Mortgage IMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2021 · Amount on File
Deed Sale	Sep 22, 2021 · Amount on File
Prior Sale	Mar 15, 2017 · Amount on File
Deed Document Number	2021262909
Prior Transfer Date	Aug 29, 2019
Prior Transfer Doc	0000148485
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 9, 2026
Property Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094
Document Number	0000109127
Instrument Date	Jul 15, 2026
Instrument	2026109127
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094

Mortgage

Document Number	0000109127,
Date	Oct 9, 2026
Instrument	2026109127

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 1, 2051

Interest

Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094

Mortgage

Document Number	0000329061
Date	Dec 30, 2020
Instrument	2020-329061

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 22, 2021
Property Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094
Document Number	0000262909
Map Reference	MB 524 PG 15-23
Instrument Date	Sep 16, 2021
Instrument	2021-262909
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	245 AMBERWIND CIR, OAKLEY, CA 94561-5094

Mortgage

Document Number	0000262910
Date	Sep 22, 2021
Instrument	2021-262910

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 10, 2019
Property Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094
Document Number	0000148485
Instrument Date	Aug 29, 2019
Instrument	148485
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
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	245 AMBERWIND CIR OAKLEY CA 945615094, OAKLEY, CA 94561-5094

Mortgage

Document Number	148486
Date	Sep 10, 2019
Instrument	148486

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 15, 2017
Property Address	245 AMBERWIND CIR, OAKLEY, CA 94561-5094
Document Number	0000045653
Instrument Date	Mar 1, 2017
Instrument	45653
Transaction Type	Transfer
Record Updated	Mar 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.35
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 AMBERWIND CIR OAKLEY CA 945615094, OAKLEY, CA 94561-5094

Mortgage

Document Number	45654
Date	Mar 15, 2017
Instrument	45654

Lender

Name	IMORTGAGE
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 245 Amberwind Cir was $14,527.

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		$790,174 (+2%) Land $140,716 Building $649,458
2025	$14,527.00	$774,681 Land $137,957 Building $636,724
2023	$14,070.00 (+1.82%)	$744,600 Land $132,600 Building $612,000
2022	$13,818.00

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

Flood

FEMA maps place 245 Amberwind Cir in Zone X, where a levee reduces flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

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 245 Amberwind Cir is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect 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	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 762 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

May also be available: T-Mobile.

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