2803 Clay St, Alameda, CA 94501 Property Records

Alameda County property record for 2803 Clay St, Alameda, CA 94501

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,163 sqft · built 1930
Lot Size	0.075 acres (3,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,352,000 (Mar 2024)
Tax Bill	$18,605 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`69-24-23`

Property Details

APN / Parcel Number

Primary APN	`69-24-23`
Alternative APN	`069-0024-023-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,163 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1936
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	3,264 sqft (0.075 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2803 CLAY ST
City	ALAMEDA
State	CA
Zip	94501-6324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00023 BLK: AR: 0069 PAGE: 0024
Legal Subdivision	LEWELLING DIV
Legal Block	J
Legal Lot Number	2-4
Jurisdiction	ALAMEDA CA
Township / Civil Division	ALAMEDA
Census Block Group	3
Census Block	3011
Census Tract	428200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2803 CLAY ST, ALAMEDA, CA 94501-6324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Grant Deed, Transfer · Conventional Mortgage BMO BANK NA
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jul 24, 2019	Grant Deed, Transfer · ARM JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2024 · Amount on Record
Deed Sale	Mar 8, 2024 · Amount on Record
Prior Sale	Jul 24, 2019 · Amount on Record
Deed Document Number	202434054
Prior Transfer Date	Nov 5, 2015
Prior Transfer Doc	0000303561
Record Updated	Oct 29, 2026

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Mar 8, 2024
Property Address	2803 CLAY ST, ALAMEDA, CA 94501-6324
Document Number	0000034054
Map Reference	MB 19 PG 67
Instrument Date	Feb 21, 2024
Instrument	2024034054
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,711.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2803 CLAY ST, ALAMEDA, CA 94501-6324

Mortgage

Document Number	0000034055
Date	Mar 8, 2024
Instrument	2024034055

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Max Rate	11.1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	2803 CLAY ST, ALAMEDA, CA 94501-6324
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 CLAY ST, ALAMEDA, CA 94501-6324

Mortgage

Document Number	0000287380
Date	Aug 24, 2021
Instrument	2021287380

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	Other
Margin	3
Max Rate	7.75%

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 24, 2019
Property Address	2803 CLAY ST, ALAMEDA, CA 94501-6324
Document Number	0000141189
Map Reference	MB 19 PG 67
Instrument Date	Jul 11, 2019
Instrument	2019141189
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	2803 CLAY ST, ALAMEDA, CA 94501-6324

Mortgage

Document Number	0000141190
Date	Jul 24, 2019
Instrument	2019141190

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,200,000 (-12.98%) Land $360,000 Building $840,000
2025	$18,605.00 (+11.42%)	$1,379,040 (+9.33%) Land $413,712 Building $965,328
2023	$16,698.00	$1,261,403 Land $504,561 Building $756,842	$1,333,080

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	Not rated no burnable land 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	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 608 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
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Google Fiber.

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