4145 Emerald St, Oakland, CA 94609 Property Records

Alameda County property record for 4145 Emerald St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,724 sqft · built 1916
Lot Size	0.039 acres (1,716 sqft)
Owner	2 Trust Names on File
Last Sale	$1,090,000 (Sep 2025)
Tax Bill	$17,230 (2025)
Deeds & Mortgages	Sep 2026 Sale Mar 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`12-1003-12-1`

Property Details

APN / Parcel Number

Primary APN	`12-1003-12-1`
Alternative APN	`012-1003-012-01`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,724 sqft Living Area

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	1,716 sqft (0.039 acres)

Location & Zoning

Street Address	4145 EMERALD ST
City	OAKLAND
State	CA
Zip	94609-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00001 BLK: 0012 AR: 0012 PAGE: 1003
Legal Subdivision	ALTON PARK
Legal Block	D
Legal Lot Number	53-55
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2002
Census Tract	401200

Owner

4145 Emerald St is owner-occupied and held in a trust since September 2025.

Source: Alameda County records, as of October 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 11, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 3, 2025	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU
Apr 3, 2023	Intrafamily Transfer, Transfer
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 17, 2020	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit TCF NAT'L BK
Jun 20, 2017	Deed of Trust, Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on File
Deed Sale	Sep 3, 2025 · Amount on File
Prior Sale	May 10, 2016 · Amount on File
Deed Document Number	2025110664
Prior Transfer Date	Apr 2, 2023
Prior Transfer Doc	0000037656
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 11, 2026
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Document Number	0000115878
Instrument Date	Sep 10, 2026
Instrument	2026115878
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	4145 EMERALD ST, OAKLAND, CA 94609-2602

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 EMERALD ST, OAKLAND, CA 94609-2602

Mortgage

Document Number	0000111368
Date	Mar 18, 2021
Instrument	2021111368

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 3, 2025
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Document Number	0000110664
Map Reference	MB 17 PG 23
Instrument Date	Aug 22, 2025
Instrument	2025110664
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,549.00
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	240 W MACARTHUR BLVD UNIT 604, 604, OAKLAND, CA 94611-5279

Mortgage

Document Number	0000110665
Date	Sep 3, 2025
Instrument	2025110665

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2035
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Apr 3, 2023
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Document Number	0000037656
Map Reference	MB 17 PG 23
Instrument Date	Apr 2, 2023
Instrument	2023037656
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	Living Trust
Address	1314 ADDISON ST, BERKELEY, CA 94702-1717

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037621
Date	Feb 14, 2020
Instrument	2020037621

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000236948
Date	Sep 17, 2020
Instrument	2020236948

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Document Number	0000200227
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4145 EMERALD ST OAKLAND CA 946092602, OAKLAND, CA 94609-2602

Mortgage

Document Number	0000200227
Date	Sep 13, 2017
Instrument	200227

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2047

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4145 EMERALD ST, OAKLAND, CA 94609-2602
Document Number	0000140744
Instrument Date	Jun 20, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4145 EMERALD ST OAKLAND CA 946092602, OAKLAND, CA 94609-2602

Mortgage

Document Number	0000140744
Date	Jun 28, 2017
Instrument	140744

Lender

Name	FINANCE OF AMERICA MTG
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4145 Emerald St was $17,230.

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		$1,090,000 (-8.76%) Land $327,000 Building $763,000
2025	$17,230.00	$1,194,706 Land $355,131 Building $839,575
2023	$17,563.00	$1,148,321 Land $341,343 Building $806,978	$1,073,970

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

Flood

FEMA maps place 4145 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 4145 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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