248 Merganser Dr, Oakley, CA 94561 Property Records

Contra Costa County property record for 248 Merganser Dr, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,004 sqft · built 2006
Lot Size	0.155 acres (6,761 sqft)
Owner	2 Company Names on File
Last Sale	$722,500 (Sep 2022)
Tax Bill	$13,710 (2025)
Deeds & Mortgages	Jul 2026 Transfer Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`037-490-048-8`

Property Details

APN / Parcel Number

Primary APN	`037-490-048-8`
Alternative APN	`037-490-048`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,004 sqft Living Area
1st Floor Area	1,332 sqft
2nd Floor Area	1,672 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	6,761 sqft (0.155 acres)
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	248 MERGANSER DR
City	OAKLEY
State	CA
Zip	94561-1688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8679 L158
Legal Subdivision	SUBDIVISION 8679
Legal Tract	8679
Legal Lot Number	158
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1009
Census Tract	302011

Owner

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

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

Owner of Record	2 Company Names on File
Mailing Address	248 MERGANSER DR, OAKLEY, CA 94561-1688
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage DIGITAL FCU
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 28, 2022	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Prior Sale	Jan 29, 2016 · Amount on Record
Deed Document Number	2022144708
Last Transfer Date	Apr 14, 2026
Transfer Doc	0000071911
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 8, 2026
Property Address	248 MERGANSER DR, OAKLEY, CA 94561-1688
Document Number	0000071911
Instrument Date	Apr 14, 2026
Instrument	202671911
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	248 MERGANSER DR, OAKLEY, CA 94561-1688

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	248 MERGANSER DR, OAKLEY, CA 94561-1688
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 MERGANSER DR, OAKLEY, CA 94561-1688

Mortgage

Document Number	0000021110
Date	Mar 7, 2023
Instrument	2023-021110

Lender

Name	DIGITAL FCU
Type	Credit Union
Address	MARLBOROUGH, MA 01752

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 8, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Mar 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.87%
Index	Other
Margin	3
Max Rate	9.87%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	248 MERGANSER DR, OAKLEY, CA 94561-1688
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 MERGANSER DR, OAKLEY, CA 94561-1688

Mortgage

Document Number	0000177735
Date	Jun 21, 2021
Instrument	2021-177735

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 28, 2022
Property Address	248 MERGANSER DR, OAKLEY, CA 94561-1688
Document Number	0000144708
Map Reference	MB 475 PG 1
Instrument Date	Jul 6, 2022
Instrument	2022-144708
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	248 MERGANSER DR, OAKLEY, CA 94561-1688

Mortgage

Document Number	0000144709
Date	Sep 28, 2022
Instrument	2022-144709

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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		$766,722 (+2%) Land $212,241 Building $554,481
2025	$13,710.00 (+3.15%) Homeowner's exemption	$751,689 (+4.04%) Land $208,080 Building $543,609
2023	$13,291.00 (+21.21%) Homeowner's exemption	$722,500 Land $200,000 Building $522,500
2022	$10,965.00

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
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

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach

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 596 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	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 USA.

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