3856 Modesto St, Castro Valley, CA 94546 Property Records

Alameda County property record for 3856 Modesto St, Castro Valley, CA 94546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,575 sqft · built 1950
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Company Names on Record
Tax Bill	$14,575 (2025)
Deeds & Mortgages	May 2026 Sale Aug 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`84C-766-18`

Property Details

APN / Parcel Number

Primary APN	`84C-766-18`
Alternative APN	`084C-0766-018-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,575 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,100 sqft (0.117 acres)

Location & Zoning

Street Address	3856 MODESTO ST
City	CASTRO VALLEY
State	CA
Zip	94546-4439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00007 BLK: 0001 TR: 0951
Legal Subdivision	TRACT 951 FILED OCTOBER 21 1949
Legal Tract	0951
Legal Block	1
Legal Lot Number	7
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	4
Census Block	4004
Census Tract	430800

Owner

Source: Alameda County records, as of October 13, 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	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Aug 5, 2025	Deed of Trust, Mortgage · Line of Credit 1ST UNITED SERVICES CU
Jan 15, 2025	Deed of Trust, Mortgage · Line of Credit 1ST UNITED SERVICES CU
Feb 13, 2026	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 23, 2025
Transfer Doc	0000019793
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	May 22, 2026
Property Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439
Document Number	0000068277
Instrument Date	May 22, 2026
Instrument	202668277
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439

Mortgage

Document Number	0000098400
Date	Aug 5, 2025
Instrument	2025098400

Lender

Name	1ST UNITED SERVICES CU
Type	Credit Union
Address	5901 GIBRALTAR DR, PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Term	360 Months
Due	Aug 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439

Mortgage

Document Number	0000009096
Date	Jan 15, 2025
Instrument	2025009096

Lender

Name	1ST UNITED SERVICES CU
Type	Credit Union
Address	5901 GIBRALTAR DR, PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Feb 13, 2026
Property Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439
Document Number	0000019793
Map Reference	MB 21 PG 12
Instrument Date	Dec 23, 2025
Instrument	2026019793
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	FNC TITLE OF CALIFORNIA

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	Right of Survivorship
Address	3856 MODESTO ST, CASTRO VALLEY, CA 94546-4439

Mortgage

Document Number	0000019794
Date	Feb 13, 2026
Instrument	2026019794

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	1047 Months
Due	May 14, 2113

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2026
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Unified School District	Castro Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,184,730 (+2%) Land $355,419 Building $829,311
2025	$14,575.00 (+310.33%)	$1,161,500 (+413.94%) Land $348,450 Building $813,050
2024	$3,552.00 (+2.13%)
2023	$3,478.00	$225,998 Land $123,663 Building $102,335	$1,176,120

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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	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 704 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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