4041 Harding Way, Oakland, CA 94602 Property Records

Alameda County property record for 4041 Harding Way, Oakland, CA 94602

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,175 sqft · built 1920
Lot Size	0.151 acres (6,600 sqft)
Owner	Company Name on File
Last Sale	$499,000 (Feb 2011)
Tax Bill	$10,223 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29A-1320-16-1`

Property Details

APN / Parcel Number

Primary APN	`29A-1320-16-1`
Alternative APN	`029A-1320-016-01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area

Exterior

Year Built	Built 1920
Architectural Style	Other
Construction Type	Wood
Lot Area	6,600 sqft (0.151 acres)

Location & Zoning

Street Address	4041 HARDING WAY
City	OAKLAND
State	CA
Zip	94602-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLK:7 SUBD:FRUITVALE GARDEN FARMS
Legal Subdivision	FRUITVALE GARDEN FARMS
Legal Block	7
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2007
Census Tract	404800

Owner

Source: Alameda County assessment roll, as of July 1, 2025

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

Owner of Record	Company Name on File
Mailing Address	4041 HARDING WAY, OAKLAND, CA 94602-1919
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jan 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 25, 2017	Deed of Trust, Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 10, 2011 · Amount on Record
Deed Sale	Feb 10, 2011 · Amount on Record
Prior Sale	Feb 10, 2011 · Amount on Record
Deed Document Number	0000053926
Last Transfer Date	Jan 15, 2020
Transfer Doc	0000009781
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4041 HARDING WAY, OAKLAND, CA 94602-1919
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4041 HARDING WAY, OAKLAND, CA 94602-1919

Mortgage

Document Number	0000072149
Date	Apr 11, 2022
Instrument	2022072149

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4041 HARDING WAY, OAKLAND, CA 94602-1919
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4041 HARDING WAY, OAKLAND, CA 94602-1919

Mortgage

Document Number	0000359419
Date	Dec 21, 2020
Instrument	2020359419

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jan 15, 2020
Property Address	4041 HARDING WAY, OAKLAND, CA 94602-1919
Document Number	0000009781
Instrument Date	Dec 15, 2019
Instrument	9781
Transaction Type	Transfer
Record Updated	Mar 5, 2020
Title Company	ATTORNEY ONLY

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	4041 HARDING WAY OAKLAND CA 946021919, OAKLAND, CA 94602-1919

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4041 HARDING WAY, OAKLAND, CA 94602-1919
Document Number	0000238667
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4041 HARDING WAY OAKLAND CA 946021919, OAKLAND, CA 94602-1919

Mortgage

Document Number	0000238667
Date	Oct 30, 2017
Instrument	238667

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2047

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of July 1, 2025

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
2025	$10,223.00 (+0.14%) Homeowner's exemption	$639,268 (+4.04%) Land $191,780 Building $447,488
2023	$10,209.00 Homeowner's exemption	$614,453 Land $184,336 Building $430,117

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

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
Flood Insurance Requirement	Not required lenders may require it
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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 1,049 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 · Fixed Wireless, 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: California Internet, Etheric Communications, LLC..

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