4296 Gem Ave, Castro Valley, CA 94546 Property Records

Alameda County property record for 4296 Gem Ave, Castro Valley, CA 94546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1947
Lot Size	0.137 acres (5,985 sqft)
Owner	Individual Name on Record
Last Sale	$182,500 (Jan 1999)
Tax Bill	$5,281 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`84C-669-21`

Property Details

APN / Parcel Number

Primary APN	`84C-669-21`
Alternative APN	`084C-0669-021-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1972
Architectural Style	L-Shape
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,985 sqft (0.137 acres)
Lot Dimensions	105 ft deep x 56 ft wide

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4296 GEM AVE
City	CASTRO VALLEY
State	CA
Zip	94546-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00018 BLK: 0001 TR: 0807
Legal Subdivision	807 EDEN TOWNSHIP
Legal Tract	0807
Legal Block	1
Legal Lot Number	18
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	4
Census Block	4000
Census Tract	430800

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	Individual Name on Record
Mailing Address	4296 GEM AVE, CASTRO VALLEY, CA 94546-4617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Apr 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 1999 · Amount on Record
Deed Sale	Jan 14, 1999 · Amount on Record
Prior Sale	Jun 24, 1998 · Amount on Record
Deed Document Number	199916161
Prior Transfer Date	Jun 17, 1998
Prior Transfer Doc	0000216446
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4296 GEM AVE, CASTRO VALLEY, CA 94546-4617
Document Number	0000039731
Instrument Date	Feb 11, 2020
Transaction Type	Mortgage
Record Updated	Apr 17, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4296 GEM AVE CASTRO VALLEY CA 945464617, CASTRO VALLEY, CA 94546-4617

Mortgage

Document Number	0000039731
Date	Feb 19, 2020
Instrument	39731

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	CAMPBELL, CA 95008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4296 GEM AVE, CASTRO VALLEY, CA 94546-4617
Document Number	0000077434
Instrument Date	Apr 24, 2019
Transaction Type	Mortgage
Record Updated	May 15, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4296 GEM AVE CASTRO VALLEY CA 945464617, CASTRO VALLEY, CA 94546-4617

Mortgage

Document Number	0000077434
Date	Apr 29, 2019
Instrument	77434

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Unified School District	Castro Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$381,375 (+2%) Land $87,623 Building $293,752
2025	$5,281.00 (+4.35%)	$373,898 (+4.04%) Land $85,905 Building $287,993
2023	$5,061.00	$359,382 Land $82,570 Building $276,812	$885,420

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
Community Rating System	Class 7 (15% premium discount)
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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 777 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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