4046 Laurel Ave, Oakland, CA 94602 Property Records

Alameda County property record for 4046 Laurel Ave, Oakland, CA 94602

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,855 sqft · built 1939
Lot Size	0.113 acres (4,920 sqft)
Owner	2 Individual Names on File
Last Sale	$1,505,000 (Nov 2023)
Tax Bill	$21,571 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`28-974-32`

Property Details

APN / Parcel Number

Primary APN	`28-974-32`
Alternative APN	`028-0974-032-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,855 sqft Living Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,920 sqft (0.113 acres)

Location & Zoning

Street Address	4046 LAUREL AVE
City	OAKLAND
State	CA
Zip	94602-3929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00032 BLK: AR: 0028 PAGE: 0974
Legal Subdivision	LAUREL TERRACE
Legal Lot Number	26
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	4
Census Block	4000
Census Tract	406800

Owner

4046 Laurel Ave is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 28, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Feb 18, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 22, 2019	Deed of Trust, Mortgage EMPIRE/AMERICA RLTY CREDIT
Aug 6, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Aug 6, 2018	Affidavit of Death, Transfer OLD REPUBLIC TITLE
Aug 6, 2018	Grant Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2023 · Amount on File
Deed Sale	Nov 28, 2023 · Amount on File
Prior Sale	Aug 6, 2018 · Amount on File
Deed Document Number	2023138756
Prior Transfer Date	Feb 10, 2021
Prior Transfer Doc	0000068859
Record Updated	Oct 29, 2026

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Nov 28, 2023
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Document Number	0000138756
Map Reference	MB 26 PG 74
Instrument Date	Nov 21, 2023
Instrument	2023138756
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,230.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929

Mortgage

Document Number	0000138757
Date	Nov 28, 2023
Instrument	2023138757

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Transaction Type	Mortgage
Record Updated	Oct 7, 2022
Title Company	MEMBERS TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929

Mortgage

Document Number	0000157218
Date	Sep 13, 2022
Instrument	2022157218

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Feb 18, 2021
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Document Number	0000068859
Map Reference	MB 26 PG 74
Instrument Date	Feb 10, 2021
Instrument	2021068859
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929

Mortgage

Document Number	0000068860
Date	Feb 18, 2021
Instrument	2021068860

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Mortgage

Document Number	0000068861
Date	Feb 18, 2021
Instrument	2021068861

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027935
Date	Feb 13, 2019
Instrument	2019027935

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Document Number	0000180160
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4046 LAUREL AVE OAKLAND CA 946023929, OAKLAND, CA 94602-3929

Mortgage

Document Number	0000180160
Date	Sep 11, 2019
Instrument	180160

Lender

Name	EMPIRE/AMERICA RLTY CREDIT
Type	Funding / Finance Company
Address	WOODLAND HILLS, CA 91364

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 6, 2018
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Document Number	0000153823
Instrument Date	Aug 2, 2018
Instrument	153823
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4046 LAUREL AVE OAKLAND CA 946023929, OAKLAND, CA 94602-3929

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ALAMEDA CA
Recording Date	Aug 6, 2018
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Document Number	0000153821
Instrument Date	Jul 19, 2018
Instrument	153821
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	OLD REPUBLIC TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1657 THORNWOOD DR CONCORD CA 945211914, CONCORD, CA 94521-1914
Investor	Possibly a Property Investor

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 6, 2018
Property Address	4046 LAUREL AVE, OAKLAND, CA 94602-3929
Document Number	0000153822
Instrument Date	Jul 18, 2018
Instrument	153822
Transaction Type	Transfer
Record Updated	Aug 22, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,188.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4046 LAUREL AVE OAKLAND CA 946023929, OAKLAND, CA 94602-3929

Mortgage

Document Number	153824
Date	Aug 6, 2018
Instrument	153824

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4046 Laurel Ave was $21,571.

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		$1,425,000 (-7.17%) Land $427,500 Building $997,500
2025	$21,571.00	$1,535,100 Land $460,530 Building $1,074,570
2023	$17,591.00 Homeowner's exemption	$1,157,964 Land $347,389 Building $810,575	$1,312,830

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

Flood

FEMA maps place 4046 Laurel Ave 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 · 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
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (1983–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

The area around 4046 Laurel Ave 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 955 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

May also be available: Etheric Networks, T-Mobile.

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