4047 Harding Way, Oakland, CA 94602 Property Records

Alameda County property record for 4047 Harding Way, Oakland, CA 94602

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,224 sqft · built 1937
Lot Size	0.116 acres (5,060 sqft)
Owner	Individual Name on Record
Last Sale	$1,550,000 (Nov 2024)
Tax Bill	$21,861 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29A-1320-15`

Property Details

APN / Parcel Number

Primary APN	`29A-1320-15`
Alternative APN	`029A-1320-015-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,224 sqft Living Area

Exterior

Year Built	Built 1937
Architectural Style	Other
Construction Type	Wood
Lot Area	5,060 sqft (0.116 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	4047 HARDING WAY
City	OAKLAND
State	CA
Zip	94602-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP E3 650
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2007
Census Tract	404800

Owner

Source: Alameda County records, as of October 20, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4047 HARDING WAY, OAKLAND, CA 94602-1919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 16, 2020	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on Record
Deed Sale	Nov 15, 2024 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Document Number	2024141203
Record Updated	Jun 7, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4047 HARDING WAY, OAKLAND, CA 94602-1919
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4047 HARDING WAY, OAKLAND, CA 94602-1919

Mortgage

Document Number	0000133808
Date	Oct 24, 2025
Instrument	2025133808

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 16, 2020
Property Address	4047 HARDING WAY, OAKLAND, CA 94602-1919
Document Number	0000234950
Instrument Date	Aug 20, 2020
Instrument	2020234950
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,552.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4047 HARDING WAY, OAKLAND, CA 94602-1919

Mortgage

Document Number	0000234951
Date	Sep 16, 2020
Instrument	2020234951

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Max Rate	8.12%

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	$21,861.00 (-7.17%) Homeowner's exemption	$1,550,000 (-2.31%) Land $465,000 Building $1,085,000
2023	$23,549.00 Homeowner's exemption	$1,586,610 Land $475,983 Building $1,110,627

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 846 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 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, GeoLinks, T-Mobile.

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