38190 Luma Ter, Newark, CA 94560 Property Records

Alameda County property record for 38190 Luma Ter, Newark, CA 94560

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,115 sqft · built 2015
Lot Size	0.04 acres (1,726 sqft)
Owner	2 Company Names on Record
Last Sale	$836,500 (Dec 2015)
Tax Bill	$12,141 (2025)
Deeds & Mortgages	Dec 2022 Transfer Dec 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`92A-2599-51`

Property Details

APN / Parcel Number

Primary APN	`92A-2599-51`
Alternative APN	`092A-2599-051-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,115 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	1,726 sqft (0.04 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	38190 LUMA TER
City	NEWARK
State	CA
Zip	94560-4859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00042 BLK: TR: 8130
Legal Subdivision	TRACT NO 8130
Legal Tract	8130
Legal Lot Number	42
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	2 Company Names on Record
Mailing Address	38190 LUMA TER, NEWARK, CA 94560-4859
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Transfer on Death Deed, Transfer
Dec 16, 2022	Transfer on Death Deed, Transfer
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Apr 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2015 · Amount on Record
Deed Sale	Dec 21, 2015 · Amount on Record
Deed Document Number	2015332948
Last Transfer Date	Dec 7, 2022
Transfer Doc	0000198534
Record Updated	Sep 20, 2026

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALAMEDA CA
Recording Date	Dec 16, 2022
Property Address	38190 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000198529
Map Reference	MB 327 PG 16-22
Instrument Date	Dec 7, 2022
Instrument	2022198529
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38190 LUMA TER, NEWARK, CA 94560-4859

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ALAMEDA CA
Recording Date	Dec 16, 2022
Property Address	38190 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000198534
Map Reference	MB 327 PG 16-22
Instrument Date	Dec 7, 2022
Instrument	2022198534
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	38190 LUMA TER, NEWARK, CA 94560-4859

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38190 LUMA TER, NEWARK, CA 94560-4859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38190 LUMA TER, NEWARK, CA 94560-4859

Mortgage

Document Number	0000224192
Date	Sep 8, 2020
Instrument	2020224192

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38190 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000079769
Instrument Date	Apr 17, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38190 LUMA TER NEWARK CA 945604859, NEWARK, CA 94560-4859

Mortgage

Document Number	0000079769
Date	May 1, 2019
Instrument	79769

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38190 LUMA TER, NEWARK, CA 94560-4859
Document Number	0000181308
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 4, 2018
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38190 LUMA TER NEWARK CA 945604859, NEWARK, CA 94560-4859

Mortgage

Document Number	0000181308
Date	Sep 18, 2018
Instrument	181308

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$1,002,418 (+1.29%) Land $302,825 Building $706,593
2025	$12,141.00 (+4.47%) Homeowner's exemption	$989,631 (+4.04%) Land $296,889 Building $692,742
2023	$11,622.00 Homeowner's exemption	$951,208 Land $285,362 Building $665,846	$1,260,720

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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