251 Covington St, Oakland, CA 94605 Property Records

Alameda County property record for 251 Covington St, Oakland, CA 94605

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,215 sqft · built 1940
Lot Size	0.117 acres (5,100 sqft)
Owner	Trust Name on File
Last Sale	$855,000 (May 2020)
Tax Bill	$6,123 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-6155-26`

Property Details

APN / Parcel Number

Primary APN	`48-6155-26`
Alternative APN	`048-6155-026-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,215 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	L-Shape
Exterior Material	Metal
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,100 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	251 COVINGTON ST
City	OAKLAND
State	CA
Zip	94605-5807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00233 BLK: TR: 0537
Legal Tract	0537
Legal Lot Number	233
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1005
Census Tract	410000

Owner

251 Covington St is owner-occupied and held in a trust since May 2020.

Source: Alameda County records, as of August 5, 2026

Owner of Record	Trust Name on File
Mailing Address	251 COVINGTON ST, OAKLAND, CA 94605-5807
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 19, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 11, 2020	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	Aug 1, 2011 · Amount on File
Deed Document Number	2020108339
Prior Transfer Date	Jun 17, 2011
Prior Transfer Doc	0000192950
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	251 COVINGTON ST, OAKLAND, CA 94605-5807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187666
Date	Sep 19, 2019
Instrument	2019187666

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 18, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	May 11, 2020
Property Address	251 COVINGTON ST, OAKLAND, CA 94605-5807
Document Number	0000108339
Instrument Date	Apr 13, 2020
Instrument	108339
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$941.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	251 COVINGTON ST OAKLAND CA 946055807, OAKLAND, CA 94605-5807

Mortgage

Document Number	108340
Date	May 11, 2020
Instrument	108340

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	251 COVINGTON ST, OAKLAND, CA 94605-5807
Document Number	0000234889
Instrument Date	Nov 9, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 COVINGTON ST OAKLAND CA 946055807, OAKLAND, CA 94605-5807

Mortgage

Document Number	0000234889
Date	Nov 15, 2019
Instrument	234889

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 251 Covington St was $6,123 with a homeowner's exemption.

Source: Alameda County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Municipality	Oakland City
Unified School District	San Leandro Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$330,501 (-0.12%) Land $101,250 Building $236,251
2025	$6,123.00 Homeowner's exemption	$330,883 Land $99,264 Building $231,619
2023	$5,955.00 Homeowner's exemption	$318,036 Land $95,410 Building $222,626	$933,660

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 251 Covington St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1993–2000)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 2000 · rainfall accumulation

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 251 Covington St is moderate, ranking above 46% of the US, with a 0.09% annual chance of 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	0.09% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 744 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks, Unwired.

Cell Coverage

5G and 4G LTE (outdoors only)

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