3797 Cottage Ct, Castro Valley, CA 94546 Property Records

Alameda County property record for 3797 Cottage Ct, Castro Valley, CA 94546

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 942 sqft · built 1957
Lot Size	0.164 acres (7,140 sqft)
Owner	2 Individual Names on File
Last Sale	$447,000 (Nov 2004)
Tax Bill	$8,221 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`84D-1329-20`

Property Details

APN / Parcel Number

Primary APN	`84D-1329-20`
Alternative APN	`084D-1329-020-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	942 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1958
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,140 sqft (0.164 acres)

Location & Zoning

Street Address	3797 COTTAGE CT
City	CASTRO VALLEY
State	CA
Zip	94546-3001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00010 BLK: 000B TR: 1727
Legal Tract	1727
Legal Block	B
Legal Lot Number	10
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	1
Census Block	1000
Census Tract	430700

Owner

3797 Cottage Ct is owned and occupied by two individuals who bought it in November 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	3797 COTTAGE CT, CASTRO VALLEY, CA 94546-3001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2004 · Amount on File
Deed Sale	Nov 16, 2004 · Amount on File
Deed Document Number	2004509187
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3797 COTTAGE CT, CASTRO VALLEY, CA 94546-3001
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3797 COTTAGE CT, CASTRO VALLEY, CA 94546-3001

Mortgage

Document Number	0000404033
Date	Dec 23, 2021
Instrument	2021404033

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3797 COTTAGE CT, CASTRO VALLEY, CA 94546-3001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000298054
Date	Nov 5, 2020
Instrument	2020298054

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3797 Cottage Ct was $8,221.

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

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Unified School District	Castro Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$635,477 (+2%) Land $190,643 Building $444,834
2025	$8,221.00	$623,018 Land $186,905 Building $436,113
2023	$7,904.00	$598,831 Land $179,649 Building $419,182	$748,890

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

Flood

FEMA maps place 3797 Cottage Ct 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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 3797 Cottage Ct 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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 938 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Etheric Networks Fixed Wireless	250 / 100

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

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