28678 Ruus Rd, Hayward, CA 94544 Property Records

Alameda County property record for 28678 Ruus Rd, Hayward, CA 94544

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,135 sqft · built 1955
Lot Size	0.116 acres (5,050 sqft)
Owner	Individual Name on File
Last Sale	$323,500 (Feb 2022)
Tax Bill	$9,802 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`465-10-55`

Property Details

APN / Parcel Number

Primary APN	`465-10-55`
Alternative APN	`465-0010-055-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,135 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1956
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,050 sqft (0.116 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	28678 RUUS RD
City	HAYWARD
State	CA
Zip	94544-5721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00004 BLK: 000A TR: 1472
Legal Subdivision	TRACT 1472
Legal Tract	1472
Legal Lot Number	4
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	1
Census Block	1019
Census Tract	438204

Owner

28678 Ruus Rd is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	28678 RUUS RD, HAYWARD, CA 94544-5721
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 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CHANGE LENDING LLC
Oct 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 14, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMERCE HOME MORTGAGE LLC
Nov 5, 2018	Grant Deed, Transfer · FHA Mortgage COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on File
Deed Sale	Feb 15, 2022 · Amount on File
Prior Sale	Nov 5, 2018 · Amount on File
Deed Document Number	202234966
Prior Transfer Date	Aug 12, 2005
Prior Transfer Doc	0000360479
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Feb 15, 2022
Property Address	28678 RUUS RD, HAYWARD, CA 94544-5721
Document Number	0000034966
Map Reference	MB 37 PG 92
Instrument Date	Jan 28, 2022
Instrument	2022034966
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	28678 RUUS RD, HAYWARD, CA 94544-5721

Mortgage

Document Number	0000034967
Date	Feb 15, 2022
Instrument	2022034967

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28678 RUUS RD, HAYWARD, CA 94544-5721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TSI TITLE COMPANY OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000218834
Date	Oct 4, 2017
Instrument	2017218834

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	28678 RUUS RD, HAYWARD, CA 94544-5721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111643
Date	May 14, 2020
Instrument	2020111643

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Nov 5, 2018
Property Address	28678 RUUS RD, HAYWARD, CA 94544-5721
Document Number	0000213544
Map Reference	MB 37 PG 92
Instrument Date	Oct 29, 2018
Instrument	2018213544
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

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	28678 RUUS RD, HAYWARD, CA 94544-5721
Investor	Possibly a Property Investor

Mortgage

Document Number	0000213545
Date	Nov 5, 2018
Instrument	2018213545

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 28678 Ruus Rd was $9,802 with a homeowner's exemption.

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		$819,971 (+1.14%) Land $245,385 Building $581,586
2025	$9,802.00 Homeowner's exemption	$810,758 Land $240,574 Building $570,184
2023	$9,560.00 Homeowner's exemption	$779,280 Land $231,234 Building $548,046	$814,950

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

Flood

FEMA maps place 28678 Ruus Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 28678 Ruus Rd is low, with less than 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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 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 1,038 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
RobinsonHSS Fixed Wireless	1,000 / 1,000
Tekify Fiber & Wireless Fixed Wireless	580 / 125
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Sonic Telecom, T-Mobile, Unwired.

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