38148 Luma Ter, Newark, CA 94560 Property Records

Alameda County property record for 38148 Luma Ter, Newark, CA 94560

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 4 ba · 2,405 sqft · built 2016
Lot Size	0.045 acres (1,964 sqft)
Owner	Individual Name on Record
Last Sale	$1,520,000 (Apr 2022)
Tax Bill	$19,305 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`92A-2599-41`

Property Details

APN / Parcel Number

Primary APN	`92A-2599-41`
Alternative APN	`092A-2599-041-00`

Interior

Bedrooms	4 Beds
Full Baths	4 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
Architectural Style	Other
Construction Type	Wood
Lot Area	1,964 sqft (0.045 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	38148 LUMA TER
City	NEWARK
State	CA
Zip	94560-4859
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2000
Census Tract	444601

Owner

Source: Alameda County records, as of October 20, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	38148 LUMA TER, NEWARK, CA 94560-4859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Grant Deed, Transfer · Conventional Mortgage CITIBANK NA
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Prior Sale	Jan 23, 2020
Deed Document Number	2022067704
Record Updated	Jun 8, 2026

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Apr 4, 2022
Property Address	38148 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000067704
Map Reference	MB 327 PG 16-22
Instrument Date	Mar 7, 2022
Instrument	2022067704
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	38148 LUMA TER, NEWARK, CA 94560-4859

Mortgage

Document Number	0000067705
Date	Apr 4, 2022
Instrument	2022067705

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	Other
Max Rate	8.37%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38148 LUMA TER, NEWARK, CA 94560-4859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156030
Date	Jul 6, 2020
Instrument	2020156030

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jan 23, 2020
Property Address	38148 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000015535
Instrument Date	Dec 23, 2019
Instrument	15535
Transaction Type	Transfer
Record Updated	Mar 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	38148 LUMA TER NEWARK CA 945604859, NEWARK, CA 94560-4859

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of July 1, 2025

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
2025	$19,305.00 (+6.33%) Homeowner's exemption	$1,613,023 (+6.12%) Land $483,907 Building $1,129,116
2023	$18,155.00 Homeowner's exemption	$1,520,000 Land $456,000 Building $1,064,000

Assessed value is set for property tax purposes and is not a market price estimate.

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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