4140 Emerald St, Oakland, CA 94609 Property Records

Alameda County property record for 4140 Emerald St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 982 sqft · built 1922
Lot Size	0.088 acres (3,850 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,420 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-1001-31`

Property Details

APN / Parcel Number

Primary APN	`12-1001-31`
Alternative APN	`012-1001-031-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	982 sqft Living Area
Gross Area	308 sqft
Basement Area	308 sqft
Finished Basement	308 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1980
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	3,850 sqft (0.088 acres)
Lot Dimensions	110 ft deep x 35 ft wide

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4140 EMERALD ST
City	OAKLAND
State	CA
Zip	94609-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT: 00015 BLK: 000F MP: 0017 PAGE: 0023 ;LOT: 00016 BLK: 000F MP: 0017 PAGE: 0023
Legal Subdivision	ALTON PARK
Legal Block	F
Legal Lot Number	15
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2011
Census Tract	401200

Owner

4140 Emerald St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	4140 EMERALD ST, OAKLAND, CA 94609-2603
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
Jul 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STAR ONE CU
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Sep 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4140 EMERALD ST, OAKLAND, CA 94609-2603
Transaction Type	Mortgage
Record Updated	Aug 18, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4140 EMERALD ST, OAKLAND, CA 94609-2603

Mortgage

Document Number	0000081823
Date	Jul 19, 2023
Instrument	2023081823

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2043

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4140 EMERALD ST, OAKLAND, CA 94609-2603
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4140 EMERALD ST, OAKLAND, CA 94609-2603

Mortgage

Document Number	0000391195
Date	Dec 8, 2021
Instrument	2021391195

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.47%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.47%
Index	Other
Margin	3
Max Rate	7.47%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4140 EMERALD ST, OAKLAND, CA 94609-2603
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4140 EMERALD ST, OAKLAND, CA 94609-2603

Mortgage

Document Number	0000089978
Date	Mar 4, 2021
Instrument	2021089978

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4140 EMERALD ST, OAKLAND, CA 94609-2603
Document Number	0000238199
Instrument Date	Nov 11, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4140 EMERALD ST OAKLAND CA 946092603, OAKLAND, CA 94609-2603

Mortgage

Document Number	0000238199
Date	Nov 20, 2019
Instrument	238199

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4140 EMERALD ST, OAKLAND, CA 94609-2603
Document Number	0000184269
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4140 EMERALD ST OAKLAND CA 946092603, OAKLAND, CA 94609-2603

Mortgage

Document Number	0000184269
Date	Sep 21, 2018
Instrument	184269

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.15%

Tax Assessment & Valuation

The 2025 property tax bill for 4140 Emerald St was $7,420 with a homeowner's exemption.

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		$435,699 (+0.39%) Land $109,100 Building $333,599
2025	$7,420.00 Homeowner's exemption	$434,020 Land $106,961 Building $327,059
2023	$7,434.00 Homeowner's exemption	$417,168 Land $102,808 Building $314,360	$1,025,820

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

Flood

FEMA maps place 4140 Emerald St in Zone X, an area of minimal flood risk.

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

The area around 4140 Emerald St 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 808 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Google Fiber.

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