38110 Luma Ter, Newark, CA 94560 Property Records

Alameda County property record for 38110 Luma Ter, Newark, CA 94560

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,405 sqft · built 2016
Lot Size	0.04 acres (1,726 sqft)
Owner	Company Name on Record
Last Sale	$898,000 (Apr 2016)
Tax Bill	$12,983 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`92A-2599-32`

Property Details

APN / Parcel Number

Primary APN	`92A-2599-32`
Alternative APN	`092A-2599-032-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,405 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,726 sqft (0.04 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	38110 LUMA TER
City	NEWARK
State	CA
Zip	94560-4859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00023 BLK: TR: 8130
Legal Subdivision	TRACT NO 8130
Legal Tract	8130
Legal Lot Number	23
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2000
Census Tract	444601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	38110 LUMA TER, NEWARK, CA 94560-4859
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARCUS LENDING INC
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARCUS LENDING INC
Jan 7, 2022	Intrafamily Transfer, Transfer
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARCUS LENDING INC ARCUS LENDING INC
Sep 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2016 · Amount on Record
Deed Sale	Apr 29, 2016 · Amount on Record
Deed Document Number	2016109615
Last Transfer Date	Dec 22, 2021
Transfer Doc	0000004991
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38110 LUMA TER, NEWARK, CA 94560-4859
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38110 LUMA TER, NEWARK, CA 94560-4859

Mortgage

Document Number	0000113376
Date	Mar 19, 2021
Instrument	2021113376

Lender

Name	ARCUS LENDING INC
Type	Mortgage Company
Address	SAN JOSE, CA 95128

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38110 LUMA TER, NEWARK, CA 94560-4859
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38110 LUMA TER, NEWARK, CA 94560-4859

Mortgage

Document Number	0000342895
Date	Oct 15, 2021
Instrument	2021342895

Lender

Name	ARCUS LENDING INC
Type	Mortgage Company
Address	SAN JOSE, CA 95128

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Jan 7, 2022
Property Address	38110 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000004991
Map Reference	MB 327 PG 16-22
Instrument Date	Dec 22, 2021
Instrument	2022004991
Transaction Type	Transfer
Record Updated	Sep 28, 2023

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	38110 LUMA TER, NEWARK, CA 94560-4859

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38110 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000165717
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	38110 LUMA TER NEWARK CA 945604859, NEWARK, CA 94560-4859

Mortgage

Document Number	0000165717
Date	Jul 15, 2020
Instrument	165717

Lender

Name	ARCUS LENDING INC ARCUS LENDING INC
Type	Bank
Address	SAN JOSE, CA 95128

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38110 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000202831
Instrument Date	Sep 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	38110 LUMA TER NEWARK CA 945604859, NEWARK, CA 94560-4859

Mortgage

Document Number	0000202831
Date	Sep 15, 2017
Instrument	202831

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,077,160 (+1.34%) Land $325,284 Building $758,876
2025	$12,983.00 (+4.44%) Homeowner's exemption	$1,062,906 (+4.04%) Land $318,907 Building $743,999
2023	$12,431.00 Homeowner's exemption	$1,021,639 Land $306,526 Building $715,113	$1,336,140

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 661 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
RobinsonHSS Fixed Wireless	1,000 / 1,000
Sail Internet Fixed Wireless	1,000 / 200
Verizon Fixed Wireless	1,000 / 75
Tekify Fiber & Wireless Fixed Wireless	600 / 130
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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