35407 Monterra Cir, Union City, CA 94587 Property Records

Alameda County property record for 35407 Monterra Cir, Union City, CA 94587

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,708 sqft · built 2001
Lot Size	0.136 acres (5,904 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (Jun 2022)
Tax Bill	$14,098 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`87-20-75`

Property Details

APN / Parcel Number

Primary APN	`87-20-75`
Alternative APN	`087-0020-075-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	84 Units
Stories	2 Stories
Building Area	1,708 sqft Living Area
Exercise Room	Exercise Room

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	5,904 sqft (0.136 acres)
View / Lot	Average
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	35407 MONTERRA CIR
City	UNION CITY
State	CA
Zip	94587-8076
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	BK: P254 PAGE: 59 LOT: 1 BLDG: UNIT:1102
Legal Subdivision	UNION CITY MONTE VISTA
Legal Lot Number	11
Legal Unit	1102
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	3
Census Block	3000
Census Tract	440338

Owner

35407 Monterra Cir, a condominium, is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	35407 MONTERRA CIR, UNION CITY, CA 94587-8076
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
Jun 13, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Prior Sale	Oct 14, 2016 · Amount on File
Deed Document Number	2022110207
Prior Transfer Date	Sep 7, 2012
Prior Transfer Doc	0000306219
Record Updated	Oct 29, 2026

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jun 13, 2022
Property Address	35407 MONTERRA CIR, UNION CITY, CA 94587-8076
Document Number	0000110207
Map Reference	MB 254 PG 59-64
Instrument Date	Jun 6, 2022
Instrument	2022110207
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	OLD REPUBLIC TITLE, 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	Community Property with Right of Survivorship
Address	35407 MONTERRA CIR, UNION CITY, CA 94587-8076

Mortgage

Document Number	0000110208
Date	Jun 13, 2022
Instrument	2022110208

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.37%
Index	Other
Max Rate	9.37%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	35407 MONTERRA CIR, UNION CITY, CA 94587-8076
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35407 MONTERRA CIR, UNION CITY, CA 94587-8076

Mortgage

Document Number	0000023173
Date	Jan 20, 2021
Instrument	2021023173

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	UNION CITY, CA 94587

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	35407 MONTERRA CIR, UNION CITY, CA 94587-8076
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125972
Date	Jun 2, 2020
Instrument	2020125972

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 35407 Monterra Cir was $14,098.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,044,000 (+0.77%) Land $313,200 Building $730,800
2025	$14,098.00	$1,036,000 Land $310,800 Building $725,200
2023	$14,557.00	$1,104,000 Land $331,200 Building $772,800	$1,159,110

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

Flood

FEMA maps place 35407 Monterra Cir in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 35407 Monterra Cir 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	ALAMEDA COUNTY WATER DISTRICT serves 344,000 people · EPA ID CA0110001
Water Source	Surface water
Last State Inspection	Nov 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 477 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Tekify Fiber & Wireless Fixed Wireless	1,000 / 1,000
RobinsonHSS Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Sail Internet Fixed Wireless · DSL in parts of the area	200 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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