28289 Cardinal St, Hayward, CA 94545 Property Records

Alameda County property record for 28289 Cardinal St, Hayward, CA 94545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1964
Lot Size	0.129 acres (5,600 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Apr 2021)
Tax Bill	$13,010 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`463-5-26`

Property Details

APN / Parcel Number

Primary APN	`463-5-26`
Alternative APN	`463-0005-026-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1970
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,600 sqft (0.129 acres)
Lot Dimensions	100 ft deep x 56 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	28289 CARDINAL ST
City	HAYWARD
State	CA
Zip	94545-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00040 BLK: 000C TR: 2583
Legal Subdivision	TR 2583
Legal Tract	2583
Legal Lot Number	40
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	1
Census Block	1008
Census Tract	438400

Owner

28289 Cardinal St is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	28289 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.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · Line of Credit BETTER MORTGAGE CORPORATION
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 23, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 1, 2018	Deed of Trust, Mortgage · Line of Credit PACIFIC SVC CU
Jul 19, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on File
Deed Sale	Apr 23, 2021 · Amount on File
Prior Sale	Aug 29, 2013 · Amount on File
Deed Document Number	2021160092
Prior Transfer Date	Feb 22, 2020
Prior Transfer Doc	0000074869
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903

Mortgage

Document Number	0000027817
Date	Feb 27, 2026
Instrument	2026027817

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	1 WORLD TRADE CTR # 8080, NEW YORK, NY 10007

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

Interest

Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903
Transaction Type	Mortgage
Record Updated	Oct 11, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903

Mortgage

Document Number	0000316669
Date	Sep 21, 2021
Instrument	2021316669

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Apr 23, 2021
Property Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903
Document Number	0000160092
Map Reference	MB 48 PG 79&80
Instrument Date	Apr 13, 2021
Instrument	2021160092
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,216.00
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	28289 CARDINAL ST, HAYWARD, CA 94545-4903

Mortgage

Document Number	0000160093
Date	Apr 23, 2021
Instrument	2021160093

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Apr 3, 2020
Property Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903
Document Number	0000074869
Map Reference	MB 48 PG 79&80
Instrument Date	Feb 22, 2020
Instrument	2020074869
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TTL OF OR

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903

Mortgage

Document Number	0000074870
Date	Apr 3, 2020
Instrument	2020074870

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Mar 1, 2040

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903
Document Number	0000200806
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28289 CARDINAL ST HAYWARD CA 945454903, HAYWARD, CA 94545-4903

Mortgage

Document Number	0000200806
Date	Oct 16, 2018
Instrument	200806

Lender

Name	PACIFIC SVC CU
Address	CONCORD, CA 94519

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 15, 2043

Interest

Rate Type	Adjustable Rate

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Jul 19, 2017
Property Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903
Document Number	0000156677
Map Reference	MAP48 PG79&80
Instrument Date	Jul 12, 2017
Instrument	2017156677
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28289 CARDINAL ST, HAYWARD, CA 94545-4903

Mortgage

Document Number	0000156679
Date	Jul 19, 2017
Instrument	2017156679

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 28289 Cardinal St was $13,010, up 1% from the year before.

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		$1,098,912 (+2%) Land $317,969 Building $780,943
2025	$13,010.00 (+0.97%)	$1,077,372 Land $311,736 Building $765,636
2024	$12,885.00 (+5.14%)
2023	$12,255.00	$998,783 Land $299,635 Building $699,148	$927,810

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

Flood

FEMA maps place 28289 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

Wildfire risk around 28289 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.

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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