3831 Opal St, Oakland, CA 94609 Property Records

Alameda County property record for 3831 Opal St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 748 sqft · built 1910
Lot Size	0.068 acres (2,950 sqft)
Owner	Trust Name on File
Last Sale	$470,000 (Dec 2006)
Tax Bill	$10,092 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`12-978-14`

Property Details

APN / Parcel Number

Primary APN	`12-978-14`
Alternative APN	`012-0978-014-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	748 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	2,950 sqft (0.068 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3831 OPAL ST
City	OAKLAND
State	CA
Zip	94609-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00014 BLK: AR: 0012 PAGE: 0978
Legal Subdivision	BROADWAY & TELEGRAPH AVE PARK
Legal Block	E
Legal Lot Number	12,13
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	3
Census Block	3005
Census Tract	401200

Owner

3831 Opal St is held in a trust since December 2006.

Source: Alameda County records, as of August 5, 2026

Owner of Record	Trust Name on File
Mailing Address	3831 OPAL ST, OAKLAND, CA 94609-2624
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
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage ESTATE OF GEORGE J SCHMITT
Mar 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Oct 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 10, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2006 · Amount on File
Deed Sale	Dec 5, 2006 · Amount on File
Deed Document Number	2006445014
Prior Transfer Date	Nov 28, 2006
Prior Transfer Doc	0000445014
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Recording Date	May 5, 2026
Property Address	3831 OPAL ST, OAKLAND, CA 94609-2624
Document Number	0000058842
Instrument Date	Apr 29, 2026
Instrument	202658842
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	3831 OPAL ST, OAKLAND, CA 94609-2624

Mortgage

Document Number	0000058842,
Date	May 5, 2026
Instrument	202658842

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3831 OPAL ST, OAKLAND, CA 94609-2624
Transaction Type	Mortgage
Record Updated	Nov 5, 2025
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 OPAL ST, OAKLAND, CA 94609-2624

Mortgage

Document Number	0000127400
Date	Oct 10, 2025
Instrument	2025127400

Lender

Name	ESTATE OF GEORGE J SCHMITT
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3831 OPAL ST, OAKLAND, CA 94609-2624
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074658
Date	Mar 31, 2017
Instrument	2017074658

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3831 OPAL ST, OAKLAND, CA 94609-2624
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000223725
Date	Oct 11, 2017
Instrument	2017223725

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3831 OPAL ST, OAKLAND, CA 94609-2624
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 OPAL ST, OAKLAND, CA 94609-2624

Mortgage

Document Number	0000058363
Date	Mar 21, 2022
Instrument	2022058363

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jun 10, 2019
Property Address	3831 OPAL ST, OAKLAND, CA 94609-2624
Document Number	0000108288
Instrument Date	Jun 3, 2019
Instrument	108288
Transaction Type	Transfer
Record Updated	Jul 26, 2019
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	3831 OPAL ST OAKLAND CA 946092624, OAKLAND, CA 94609-2624

Tax Assessment & Valuation

The 2025 property tax bill for 3831 Opal St was $10,092.

Source: Alameda County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Municipality	Oakland City
Unified School District	Oakland Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$642,240 (+2%) Land $192,672 Building $449,568
2025	$10,092.00	$629,648 Land $188,894 Building $440,754
2023	$10,335.00	$605,204 Land $181,561 Building $423,643	$633,690

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

Flood

FEMA maps place 3831 Opal St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
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 3831 Opal St 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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 808 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Google Fiber.

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