Contra Costa County property record for 245 Harborage Ct, Oakley, CA 94561
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,023 sqft · built 2009 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $486,000 (Mar 2018) |
| Tax Bill | $10,763 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 032-510-023-8 |
| Primary APN | 032-510-023-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,023 sqft Living Area |
| 1st Floor Area | 1,019 sqft |
| 2nd Floor Area | 1,004 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Cluster |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 464 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 245 HARBORAGE CT |
|---|---|
| City | OAKLEY |
| State | CA |
| Zip | 94561-3536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T8955 L249 |
| Legal Subdivision | SUBDIVISION 8955 |
| Legal Tract | 8955 |
| Legal Lot Number | 249 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | EAST CONTRA COSTA |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 301000 |
245 Harborage Ct is owned and occupied by two individuals who bought it in March 2018.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 245 HARBORAGE CT, OAKLEY, CA 94561-3536 |
| 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.
| Date | Document |
|---|---|
| May 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PATELCO CU |
| Mar 19, 2018 | Grant Deed, Transfer · Conventional Mortgage PATELCO CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2018 · Amount on File |
| Deed Sale | Mar 19, 2018 · Amount on File |
| Prior Sale | Feb 13, 2015 · Amount on File |
| Deed Document Number | 201841728 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 245 HARBORAGE CT, OAKLEY, CA 94561-3536 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | PLACER TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000063617 |
|---|---|
| Date | May 3, 2019 |
| Instrument | 2019-063617 |
| Name | PATELCO CU |
|---|---|
| Type | Credit Union |
| Address | PLEASANTON, CA 94588 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Mar 19, 2018 |
| Property Address | 245 HARBORAGE CT, OAKLEY, CA 94561-3536 |
| Document Number | 0000041728 |
| Map Reference | MB 490 PG 31 |
| Instrument Date | Mar 13, 2018 |
| Instrument | 2018-041728 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 245 HARBORAGE CT, OAKLEY, CA 94561-3536 |
| Document Number | 0000041729 |
|---|---|
| Date | Mar 19, 2018 |
| Instrument | 2018-041729 |
| Name | PATELCO CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 245 Harborage Ct was $10,763.
Source: Contra Costa County assessment roll, as of July 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $564,037 (+2%) Land $127,661 Building $436,376 | |
| 2025 | $10,763.00 | $552,978 Land $125,158 Building $427,820 |
| 2023 | $10,303.00 (+2.58%) | $531,507 Land $120,299 Building $411,208 |
| 2022 | $10,044.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 245 Harborage Ct 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 |
|
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 risk around 245 Harborage Ct is high, ranking above 72% 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 72% of the US · above 47% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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