38220 Luma Ter, Newark, CA 94560 Property Records

Alameda County property record for 38220 Luma Ter, Newark, CA 94560

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 4 ba · 2,405 sqft · built 2015
Lot Size	0.042 acres (1,845 sqft)
Owner	Trust Name on File
Last Sale	$850,000 (Dec 2015)
Tax Bill	$12,712 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`92A-2599-69`

Property Details

APN / Parcel Number

Primary APN	`92A-2599-69`
Alternative APN	`092A-2599-069-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,405 sqft Living Area

Exterior

Year Built	Built 2015
Architectural Style	Other
Construction Type	Wood
Lot Area	1,845 sqft (0.042 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	38220 LUMA TER
City	NEWARK
State	CA
Zip	94560-4858
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

38220 Luma Ter, a planned unit development, is owner-occupied and held in a trust since August 2020.

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

Owner of Record	Trust Name on File
Mailing Address	38220 LUMA TER, NEWARK, CA 94560-4858
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
Dec 20, 2016	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2015 · Amount on File
Deed Sale	Dec 2, 2015 · Amount on File
Prior Sale	Dec 2, 2015 · Amount on File
Deed Document Number	0000318611
Last Transfer Date	Aug 20, 2020
Transfer Doc	0000204107
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38220 LUMA TER, NEWARK, CA 94560-4858
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38220 LUMA TER, NEWARK, CA 94560-4858

Mortgage

Document Number	0000016391
Date	Jan 13, 2021
Instrument	2021016391

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38220 LUMA TER, NEWARK, CA 94560-4858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38220 LUMA TER, NEWARK, CA 94560-4858

Mortgage

Document Number	0000308345
Date	Nov 13, 2020
Instrument	2020308345

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 20, 2020
Property Address	38220 LUMA TER, NEWARK, CA 94560-4858
Document Number	0000204107
Instrument Date	Jun 17, 2020
Instrument	204107
Transaction Type	Transfer
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38220 LUMA TER NEWARK CA 945604858, NEWARK, CA 94560-4858

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38220 LUMA TER, NEWARK, CA 94560-4858
Document Number	0000137163
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	38220 LUMA TER NEWARK CA 945604858, NEWARK, CA 94560-4858

Mortgage

Document Number	0000137163
Date	Jun 15, 2020
Instrument	137163

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 14, 2035

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38220 LUMA TER, NEWARK, CA 94560-4858
Document Number	0000008102
Instrument Date	Dec 20, 2016
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	38220 LUMA TER NEWARK CA 945604858, NEWARK, CA 94560-4858

Mortgage

Document Number	0000008102
Date	Jan 11, 2017
Instrument	8102

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 38220 Luma Ter was $12,712.

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	$12,712.00	$1,032,354 Land $309,706 Building $722,648
2023	$12,094.00 Homeowner's exemption	$992,273 Land $297,682 Building $694,591

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

Flood

FEMA maps place 38220 Luma Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 38220 Luma Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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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