4050 Harding Way, Oakland, CA 94602 Property Records

Alameda County property record for 4050 Harding Way, Oakland, CA 94602

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,801 sqft · built 1937
Lot Size	0.157 acres (6,840 sqft)
Owner	Company Name on Record
Last Sale	$637,000 (May 2002)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Dec 2022 Transfer May 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29A-1319-15`

Property Details

APN / Parcel Number

Primary APN	`29A-1319-15`
Alternative APN	`029A-1319-015-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,801 sqft Living Area
Gross Area	756 sqft
Basement Area	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	L-Shape
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,840 sqft (0.157 acres)

Utilities, Heating & Cooling

Heating System	Gravity Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4050 HARDING WAY
City	OAKLAND
State	CA
Zip	94602-1920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R30
Legal Description	LOT: 00015 BLK: AR: 029A PAGE: 1319
Legal Subdivision	FRUITVALE GARDEN FARMS
Legal Block	6
Legal Lot Number	3&4
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2008
Census Tract	404800

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	4050 HARDING WAY, OAKLAND, CA 94602-1920
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2022	Intrafamily Transfer, Transfer
May 6, 2022	Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2002 · Amount on Record
Deed Sale	May 16, 2002 · Amount on Record
Deed Document Number	2002218716
Last Transfer Date	Nov 8, 2022
Transfer Doc	0000194130
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Dec 6, 2022
Property Address	4050 HARDING WAY, OAKLAND, CA 94602-1920
Document Number	0000194130
Map Reference	MB 3 PG 41&42
Instrument Date	Nov 8, 2022
Instrument	2022194130
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	4050 HARDING WAY, OAKLAND, CA 94602-1920

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4050 HARDING WAY, OAKLAND, CA 94602-1920
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4050 HARDING WAY, OAKLAND, CA 94602-1920

Mortgage

Document Number	0000090213
Date	May 6, 2022
Instrument	2022090213

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	864 Months
Due	May 30, 2094

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4050 HARDING WAY, OAKLAND, CA 94602-1920
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4050 HARDING WAY, OAKLAND, CA 94602-1920

Mortgage

Document Number	0000174703
Date	Jul 22, 2020
Instrument	2020174703

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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		$110,160 (-4.09%) Land $29,905 Building $87,255
2025	$3,281.00 (+7.5%) Homeowner's exemption	$114,863 (+4.04%) Land $29,318 Building $85,545
2023	$3,052.00 Homeowner's exemption	$110,404 Land $28,180 Building $82,224	$1,349,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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