38262 Luma Ter, Newark, CA 94560 Property Records

Alameda County property record for 38262 Luma Ter, Newark, CA 94560

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,405 sqft · built 2015
Lot Size	0.04 acres (1,740 sqft)
Owner	Individual Name on File
Last Sale	$1,420,000 (Sep 2025)
Tax Bill	$14,599 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`92A-2599-60`

Property Details

APN / Parcel Number

Primary APN	`92A-2599-60`
Alternative APN	`092A-2599-060-00`

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 2015
Effective Year Built	Effective 2015
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,740 sqft (0.04 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	38262 LUMA TER
City	NEWARK
State	CA
Zip	94560-4858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00051 BLK: TR: 8130
Legal Subdivision	TR 8130
Legal Tract	8130
Legal Lot Number	51
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	2
Census Block	2000
Census Tract	444601

Owner

38262 Luma Ter is owned and occupied by an individual who bought it in September 2025.

Source: Alameda County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	38262 LUMA TER, NEWARK, CA 94560-4858
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Mar 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 22, 2025	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Sep 22, 2025	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on File
Deed Sale	Sep 22, 2025 · Amount on File
Prior Sale	Nov 17, 2015 · Amount on File
Deed Document Number	2025118248
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38262 LUMA TER, NEWARK, CA 94560-4858
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38262 LUMA TER, NEWARK, CA 94560-4858

Mortgage

Document Number	0000037510
Date	Mar 23, 2026
Instrument	2026037510

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38262 LUMA TER, NEWARK, CA 94560-4858
Transaction Type	Mortgage
Record Updated	Feb 5, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38262 LUMA TER, NEWARK, CA 94560-4858

Mortgage

Document Number	0000165979
Date	Dec 29, 2025
Instrument	2025165979

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Index	1-Year CMT
Max Rate	11.1%

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Sep 22, 2025
Property Address	38262 LUMA TER, NEWARK, CA 94560-4858
Document Number	0000118247
Map Reference	MB 327 PG 16 - 22
Instrument Date	Sep 3, 2025
Instrument	2025118247
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	38262 LUMA TER, NEWARK, CA 94560-4858

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 22, 2025
Property Address	38262 LUMA TER, NEWARK, CA 94560-4858
Document Number	0000118248
Map Reference	MB 327 PG 16 - 22
Instrument Date	Sep 2, 2025
Instrument	2025118248
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	Separate Estate/Property
Address	38262 LUMA TER, NEWARK, CA 94560-4858

Mortgage

Document Number	0000118249
Date	Sep 22, 2025
Instrument	2025118249

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Index	1-Year CMT
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 38262 Luma Ter was $14,599 with a homeowner's exemption, up 1.7% from the year before.

Source: Alameda County assessment roll, as of June 20, 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	Assessed Market Value
2025	$14,599.00 (+1.71%) Homeowner's exemption	$1,196,538 Land $361,049 Building $842,489
2024	$14,354.00 (+2.65%)
2023	$13,984.00 Homeowner's exemption	$1,156,811 Land $347,032 Building $809,779	$1,391,850

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

Flood

FEMA maps place 38262 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 38262 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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