Alameda County property record for 28265 Cardinal St, Hayward, CA 94545
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 1964 |
| Lot Size | 0.135 acres (5,900 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,128 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 463-5-24 |
| Primary APN | 463-5-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Custom Design |
| Exterior Material | Block |
| Construction Type | Wood |
| Lot Area | 5,900 sqft (0.135 acres) |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 28265 CARDINAL ST |
|---|---|
| City | HAYWARD |
| State | CA |
| Zip | 94545-4903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 00042 BLK: 000C TR: 2583 |
| Legal Subdivision | TRACT 2583 |
| Legal Tract | 2583 |
| Legal Block | C |
| Legal Lot Number | 42 |
| Jurisdiction | ALAMEDA CA |
| Township / Civil Division | HAYWARD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 438400 |
28265 Cardinal St is owned and occupied by two individuals.
Source: Alameda County records, as of August 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28265 CARDINAL ST, HAYWARD, CA 94545-4903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 17, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALAMEDA CA |
| Property Address | 28265 CARDINAL ST, HAYWARD, CA 94545-4903 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 28265 CARDINAL ST, HAYWARD, CA 94545-4903 |
| Document Number | 0000049698 |
|---|---|
| Date | Apr 17, 2024 |
| Instrument | 2024049698 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALAMEDA CA |
| Property Address | 28265 CARDINAL ST, HAYWARD, CA 94545-4903 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 28265 CARDINAL ST, HAYWARD, CA 94545-4903 |
| Document Number | 0000100612 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 2021100612 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 97 Months |
| Due | Apr 1, 2029 |
The 2025 property tax bill for 28265 Cardinal St was $3,128 with a homeowner's exemption.
Source: Alameda County assessment roll, as of August 5, 2026
| Type | Name |
|---|---|
| State | California |
| County | Alameda County |
| Municipality | Hayward City |
| Unified School District | Hayward Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $239,315 (-0.9%) Land $108,416 Building $137,899 | ||
| 2025 | $3,128.00 Homeowner's exemption | $241,486 Land $106,290 Building $135,196 | |
| 2023 | $3,052.00 Homeowner's exemption | $232,109 Land $102,163 Building $129,946 | $913,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28265 Cardinal St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 risk around 28265 Cardinal St is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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