Contra Costa County property record for 408 Waterford Ct, Oakley, CA 94561
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,652 sqft · built 1993 |
| Lot Size | 0.115 acres (5,015 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Oct 2015) |
| Tax Bill | $5,698 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 035-740-018-3 |
| Primary APN | 035-740-018-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,652 sqft Living Area |
| 1st Floor Area | 778 sqft |
| 2nd Floor Area | 874 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Lot Area | 5,015 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 471 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 408 WATERFORD CT |
|---|---|
| City | OAKLEY |
| State | CA |
| Zip | 94561-3221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T7365 L18 |
| Legal Subdivision | CALIFORNIA SUNRISE |
| Legal Tract | 7365 |
| Legal Lot Number | 18 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | EAST CONTRA COSTA |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 302007 |
408 Waterford Ct is owned and occupied by two individuals who acquired it in March 2022.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 WATERFORD CT, OAKLEY, CA 94561-3221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2024 | Deed of Trust, Mortgage · Commercial Mortgage BANKERS LIFE INSURANCE |
| Jun 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PREMIER LENDING INC |
| Mar 28, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2015 · Amount on File |
| Deed Sale | Oct 23, 2015 · Amount on File |
| Prior Sale | Jun 2, 2010 · Amount on File |
| Deed Document Number | 2015223409 |
| Last Transfer Date | Mar 22, 2022 |
| Transfer Doc | 0000053365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 408 WATERFORD CT, OAKLEY, CA 94561-3221 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000024955 |
|---|---|
| Date | Mar 18, 2024 |
| Instrument | 2024-024955 |
| Name | BANKERS LIFE INSURANCE |
|---|---|
| Type | Insurance Company |
| Address | SAINT PETERSBURG, FL 33716 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 408 WATERFORD CT, OAKLEY, CA 94561-3221 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000104773 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 2020-104773 |
| Name | PREMIER LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Mar 28, 2022 |
| Property Address | 408 WATERFORD CT, OAKLEY, CA 94561-3221 |
| Document Number | 0000053365 |
| Map Reference | MB 359 PG 11 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2022-053365 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 408 WATERFORD CT, OAKLEY, CA 94561-3221 |
| Document Number | 0000053366 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 2022-053366 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 408 Waterford Ct was $5,698.
Source: Contra Costa County assessment roll, as of July 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $410,533 (+2%) Land $120,744 Building $289,789 | |
| 2025 | $5,698.00 | $402,484 Land $118,377 Building $284,107 |
| 2023 | $5,532.00 (+0.93%) | $386,857 Land $113,781 Building $273,076 |
| 2022 | $5,481.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 408 Waterford Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 | 8 in force |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
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 risk around 408 Waterford Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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