257 Merganser Dr, Oakley, CA 94561 Property Records

Contra Costa County property record for 257 Merganser Dr, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,644 sqft · built 2006
Lot Size	0.167 acres (7,280 sqft)
Owner	Individual Name on File
Tax Bill	$11,541 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`037-490-063-7`

Property Details

APN / Parcel Number

Primary APN	`037-490-063-7`
Alternative APN	`037-490-063`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,644 sqft Living Area
1st Floor Area	1,781 sqft
2nd Floor Area	1,863 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	7,280 sqft (0.167 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	257 MERGANSER DR
City	OAKLEY
State	CA
Zip	94561-1693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8679 L173
Legal Subdivision	SUBDIVISION #8679
Legal Tract	8679
Legal Lot Number	173
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1020
Census Tract	302011

Owner

257 Merganser Dr is owned and occupied by an individual who acquired it in December 2018.

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	257 MERGANSER DR, OAKLEY, CA 94561-1693
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 18, 2018	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 6, 2017	Grant Deed, Transfer · ARM DROP MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2018
Deed Sale	Dec 18, 2018
Prior Sale	Mar 6, 2017 · Amount on File
Deed Document Number	2018202098
Prior Transfer Date	Nov 14, 2018
Prior Transfer Doc	0000202098
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	257 MERGANSER DR, OAKLEY, CA 94561-1693
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 MERGANSER DR, OAKLEY, CA 94561-1693

Mortgage

Document Number	0000140206
Date	May 11, 2021
Instrument	2021-140206

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jan 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	257 MERGANSER DR, OAKLEY, CA 94561-1693
Document Number	0000151063
Instrument Date	Jul 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	257 MERGANSER DR OAKLEY CA 945611693, OAKLEY, CA 94561-1693

Mortgage

Document Number	0000151063
Date	Jul 23, 2020
Instrument	151063

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2050

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 18, 2018
Property Address	257 MERGANSER DR, OAKLEY, CA 94561-1693
Document Number	0000202098
Map Reference	MB 475 PG 1
Instrument Date	Nov 14, 2018
Instrument	2018-202098
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	TICOR TITLE ORANGE COUNTY BR

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	257 MERGANSER DR, OAKLEY, CA 94561-1693
Investor	Possibly a Property Investor

Mortgage

Document Number	0000202099
Date	Dec 18, 2018
Instrument	2018-202099

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 6, 2017
Property Address	257 MERGANSER DR, OAKLEY, CA 94561-1693
Document Number	0000039461
Map Reference	MAP475 PG1
Instrument Date	Feb 16, 2017
Instrument	2017-039461
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE SAN JOSE

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	257 MERGANSER DR, OAKLEY, CA 94561-1693
Investor	Possibly a Property Investor

Mortgage

Document Number	0000039462
Date	Mar 6, 2017
Instrument	2017-039462

Lender

Name	DROP MORTGAGE INC

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Mar 1, 2022
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Margin	5
Max Rate	11.2%

Tax Assessment & Valuation

The 2025 property tax bill for 257 Merganser Dr was $11,541.

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		$556,377 (+2%) Land $118,377 Building $438,000
2025	$11,541.00	$545,468 Land $116,056 Building $429,412
2023	$11,194.00 (+1.48%)	$524,289 Land $111,550 Building $412,739
2022	$11,031.00

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

Flood

FEMA maps place 257 Merganser Dr 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 257 Merganser Dr is moderate, ranking above 46% of the US, with a 0.08% 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	0.08% 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 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.

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