409 45th St, Oakland, CA 94609 Property Records

Alameda County property record for 409 45th St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,932 sqft · built 1914
Lot Size	0.057 acres (2,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,275,000 (Jul 2023)
Tax Bill	$18,582 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-1100-5`

Property Details

APN / Parcel Number

Primary APN	`13-1100-5`
Alternative APN	`013-1100-005-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,932 sqft Living Area
Gross Area	1,015 sqft
Basement Area	1,015 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1963
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	2,485 sqft (0.057 acres)
Lot Dimensions	70 ft deep x 35 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 45TH ST
City	OAKLAND
State	CA
Zip	94609-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00005 BLK: AR: 0013 PAGE: 1100
Legal Subdivision	CENTRAL OAKLAND
Legal Block	B
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1016
Census Tract	401200

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	2 Individual Names on Record
Mailing Address	409 45TH ST, OAKLAND, CA 94609-2124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 14, 2020	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
May 15, 2020	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 7, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Prior Sale	May 15, 2020 · Amount on Record
Deed Document Number	202377919
Prior Transfer Date	Sep 16, 2005
Prior Transfer Doc	0000407992
Record Updated	Oct 29, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 10, 2023
Property Address	409 45TH ST, OAKLAND, CA 94609-2124
Document Number	0000077919
Map Reference	MB 21 PG 5
Instrument Date	Jun 26, 2023
Instrument	2023077919
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,527.50
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	409 45TH ST, OAKLAND, CA 94609-2124
Investor	Possibly a Property Investor

Mortgage

Document Number	0000077920
Date	Jul 10, 2023
Instrument	2023077920

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	409 45TH ST, OAKLAND, CA 94609-2124
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 45TH ST, OAKLAND, CA 94609-2124

Mortgage

Document Number	0000308263
Date	Sep 13, 2021
Instrument	2021308263

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	409 45TH ST, OAKLAND, CA 94609-2124
Document Number	0000113325
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2701 OAK RD #B WALNUT CREEK CA 945972894, B, WALNUT CREEK, CA 94597-2894

Mortgage

Document Number	0000113325
Date	May 15, 2020
Instrument	113325

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2050

Interest

Rate Type	Adjustable Rate

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	May 15, 2020
Property Address	409 45TH ST, OAKLAND, CA 94609-2124
Document Number	0000113323
Instrument Date	May 4, 2020
Instrument	113323
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	409 45TH ST OAKLAND CA 946092124, OAKLAND, CA 94609-2124

Mortgage

Document Number	113324
Date	May 15, 2020
Instrument	113324

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	409 45TH ST, OAKLAND, CA 94609-2124
Document Number	0000257312
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	409 45TH ST OAKLAND CA 946092124, OAKLAND, CA 94609-2124

Mortgage

Document Number	0000257312
Date	Nov 21, 2017
Instrument	257312

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OAKLAND, CA 94611

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2047

Interest

Rate Type	Adjustable Rate

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		$1,326,510 (+2%) Land $397,953 Building $928,557
2025	$18,582.00 (-6.32%)	$1,300,500 (-1.02%) Land $390,150 Building $910,350
2023	$19,836.00 (+2.16%)	$1,313,961 (+2%) Land $394,188 Building $919,773	$1,124,100
2022	$19,416.00	$1,288,200 Land $386,460 Building $901,740

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

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
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jan 1982 · Severe Storms, Flood, Mudslides & High Tide

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	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 857 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: Astound Broadband, GeoLinks, Google Fiber, T-Mobile.

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