38266 Luma Ter, Newark, CA 94560 Property Records

Alameda County property record for 38266 Luma Ter, Newark, CA 94560

Property Summary

Property Type	Planned Unit Development
Details	4 bd · 4 ba · 2,234 sqft · built 2015
Lot Size	0.049 acres (2,156 sqft)
Owner	Trust Name on File
Last Sale	$778,500 (May 2016)
Tax Bill	$12,179 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`92A-2599-61`

Property Details

APN / Parcel Number

Primary APN	`92A-2599-61`
Alternative APN	`092A-2599-061-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,234 sqft Living Area

Exterior

Year Built	Built 2015
Architectural Style	Other
Construction Type	Wood
Lot Area	2,156 sqft (0.049 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	38266 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

38266 Luma Ter, a planned unit development, is owner-occupied and held in a trust since March 2017.

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

Owner of Record	Trust Name on File
Mailing Address	38266 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 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
May 15, 2017	Deed of Trust, Mortgage BANK OF AMERICA
Mar 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2016 · Amount on File
Deed Sale	May 19, 2016 · Amount on File
Prior Sale	May 19, 2016 · Amount on File
Deed Document Number	0000126955
Last Transfer Date	Mar 20, 2017
Transfer Doc	0000065557
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38266 LUMA TER, NEWARK, CA 94560-4858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012558
Date	Jan 21, 2020
Instrument	2020012558

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38266 LUMA TER, NEWARK, CA 94560-4858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38266 LUMA TER, NEWARK, CA 94560-4858

Mortgage

Document Number	0000227279
Date	Sep 10, 2020
Instrument	2020227279

Lender

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

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	38266 LUMA TER, NEWARK, CA 94560-4858
Document Number	0000124224
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	38266 LUMA TER NEWARK CA 945604858, NEWARK, CA 94560-4858

Mortgage

Document Number	0000124224
Date	Jun 7, 2017
Instrument	124224

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Mar 20, 2017
Property Address	38266 LUMA TER, NEWARK, CA 94560-4858
Document Number	0000065557
Instrument Date	Mar 13, 2017
Instrument	65557
Transaction Type	Transfer
Record Updated	Mar 30, 2017

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	38266 LUMA TER NEWARK CA 945604858, NEWARK, CA 94560-4858

Tax Assessment & Valuation

The 2025 property tax bill for 38266 Luma Ter was $12,179 with a homeowner's exemption.

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	$12,179.00 Homeowner's exemption	$992,945 Land $297,836 Building $695,109
2023	$11,659.00 Homeowner's exemption	$954,394 Land $286,272 Building $668,122

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

Flood

FEMA maps place 38266 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 38266 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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