28256 Cardinal St, Hayward, CA 94545 Property Records

Alameda County property record for 28256 Cardinal St, Hayward, CA 94545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 1964
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,994 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`463-5-64`

Property Details

APN / Parcel Number

Primary APN	`463-5-64`
Alternative APN	`463-0005-064-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1965
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)

Location & Zoning

Street Address	28256 CARDINAL ST
City	HAYWARD
State	CA
Zip	94545-4904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00028 BLK: 000B TR: 2583
Legal Subdivision	TRACT 2583 FILED MAY 26 1964
Legal Tract	2583
Legal Block	B
Legal Lot Number	28
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	1
Census Block	1006
Census Tract	438400

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	28256 CARDINAL ST, HAYWARD, CA 94545-4904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 26, 2017	Deed of Trust, Mortgage · ARM PATELCO CU
Mar 13, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2014
Deed Sale	Jun 25, 2014
Prior Sale	Nov 25, 2009 · Amount on Record
Deed Document Number	2014150074
Prior Transfer Date	Jun 18, 2014
Prior Transfer Doc	0000150074
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28256 CARDINAL ST, HAYWARD, CA 94545-4904
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28256 CARDINAL ST, HAYWARD, CA 94545-4904

Mortgage

Document Number	0000144742
Date	Nov 17, 2025
Instrument	2025144742

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28256 CARDINAL ST, HAYWARD, CA 94545-4904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000236823
Date	Oct 26, 2017
Instrument	2017236823

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28256 CARDINAL ST, HAYWARD, CA 94545-4904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045594
Date	Mar 13, 2019
Instrument	2019045594

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 24, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$401,544 (+2%) Land $120,463 Building $281,081
2025	$4,994.00 (+2.42%)	$393,671 (+4.04%) Land $118,101 Building $275,570
2023	$4,876.00	$378,388 Land $113,516 Building $264,872	$744,840

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 minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	CITY OF HAYWARD serves 162,954 people · EPA ID CA0110006
Water Source	Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 893 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
RobinsonHSS Fixed Wireless	1,000 / 1,000
Tekify Fiber & Wireless Fixed Wireless	570 / 120
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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