390 Saddle Back Dr, Oakley, CA 94561 Property Records

Contra Costa County property record for 390 Saddle Back Dr, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,324 sqft · built 2009
Lot Size	0.167 acres (7,254 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (May 2018)
Tax Bill	$10,728 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`034-420-021-7`

Property Details

APN / Parcel Number

Primary APN	`034-420-021-7`
Alternative APN	`034-420-021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,324 sqft Living Area
1st Floor Area	970 sqft
2nd Floor Area	1,354 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2010
Lot Area	7,254 sqft (0.167 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	390 SADDLE BACK DR
City	OAKLEY
State	CA
Zip	94561-2280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8541 L79
Legal Subdivision	SUBDIVISION 8541
Legal Tract	8541
Legal Lot Number	79
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	302007

Owner

Source: Contra Costa County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPROUT MORTGAGE LLC
Feb 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 24, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018 · Amount on Record
Deed Sale	May 24, 2018 · Amount on Record
Prior Sale	Mar 19, 2010 · Amount on Record
Deed Document Number	201882426
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 15, 2026
Property Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280
Document Number	0000074693
Instrument Date	Jul 9, 2026
Instrument	202674693
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280

Mortgage

Document Number	0000074693,
Date	Jul 15, 2026
Instrument	202674693

Lender

Name	UNLOCK PARTNERSHIP SOLUTIONS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.52%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CONSUMERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280

Mortgage

Document Number	0000065727
Date	Mar 4, 2021
Instrument	2021-065727

Lender

Name	SPROUT MORTGAGE LLC
Type	Non-Lending Institution
Address	PORT SAINT LUCIE, FL 34986

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SYNRGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024925
Date	Feb 10, 2020
Instrument	2020-024925

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280

Mortgage

Document Number	0000328213
Date	Dec 1, 2021
Instrument	2021-328213

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 24, 2018
Property Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280
Document Number	0000082426
Map Reference	MB 470 PG 24
Instrument Date	May 15, 2018
Instrument	2018-082426
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	390 SADDLE BACK DR, OAKLEY, CA 94561-2280

Mortgage

Document Number	0000082427
Date	May 24, 2018
Instrument	2018-082427

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Oakley City
Secondary School District	Liberty Union High School District (09 - 12)
Elementary School District	Oakley Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$615,103 (+2%) Land $127,661 Building $487,442
2025	$10,728.00 (+3.3%)	$603,043 (+4.04%) Land $125,158 Building $477,885
2023	$10,385.00 (+1.59%)	$579,628 Land $120,299 Building $459,329
2022	$10,222.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	DIABLO WATER DISTRICT serves 47,158 people · EPA ID CA0710007
Water Source	Purchased surface water from RANDALL-BOLD WATER TREATMENT PLANT
Last State Inspection	Jan 2024
Also Mapped Here	CONTRA COSTA WATER DISTRICT
Lead	2 ppb (2020–2022) 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 543 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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