43123 Luzon Dr, Fremont, CA 94539 Property Records

Alameda County property record for 43123 Luzon Dr, Fremont, CA 94539

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,244 sqft · built 1973
Lot Size	0.289 acres (12,600 sqft)
Owner	Individual Name on Record
Last Sale	$2,531,000 (Sep 2023)
Tax Bill	$31,091 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`513-620-28`

Property Details

APN / Parcel Number

Primary APN	`513-620-28`
Alternative APN	`513-0620-028-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,244 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1975
Architectural Style	Other
Construction Type	Wood
Lot Area	12,600 sqft (0.289 acres)

Location & Zoning

Street Address	43123 LUZON DR
City	FREMONT
State	CA
Zip	94539-5729
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	1
Census Block	1005
Census Tract	443105

Owner

Source: Alameda County records, as of October 20, 2025

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
Co-owner	Co-owner on Record
Mailing Address	43123 LUZON DR, FREMONT, CA 94539-5729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Feb 7, 2024	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 29, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	2023111945
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	43123 LUZON DR, FREMONT, CA 94539-5729
Transaction Type	Mortgage
Record Updated	Feb 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43123 LUZON DR, FREMONT, CA 94539-5729

Mortgage

Document Number	0000003085
Date	Jan 9, 2026
Instrument	2026003085

Lender

Name	CITIBANK NA
Type	Bank
Address	1000 TECHNOLOGY DR, O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	43123 LUZON DR, FREMONT, CA 94539-5729
Transaction Type	Mortgage
Record Updated	Mar 18, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43123 LUZON DR, FREMONT, CA 94539-5729

Mortgage

Document Number	0000020691
Date	Feb 7, 2024
Instrument	2024020691

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year T-Bill
Max Rate	11.2%

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 29, 2023
Property Address	43123 LUZON DR, FREMONT, CA 94539-5729
Document Number	0000111945
Map Reference	MB 81 PG 74&75
Instrument Date	Sep 19, 2023
Instrument	2023111945
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	43123 LUZON DR, FREMONT, CA 94539-5729

Mortgage

Document Number	0000111946
Date	Sep 29, 2023
Instrument	2023111946

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Index	1-Year T-Bill

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Municipality	Fremont City
Unified School District	Fremont Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$31,091.00 (+472.05%)	$2,581,620 (+515.04%) Land $1,020,000 Building $1,561,620
2023	$5,435.00 Homeowner's exemption	$419,750 Land $163,400 Building $256,350

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 25, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 97.8% 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	ALAMEDA COUNTY WATER DISTRICT serves 344,000 people · EPA ID CA0110001
Water Source	Surface water
Last State Inspection	Nov 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Sail Internet Fixed Wireless	800 / 160
Tekify Fiber & Wireless Fixed Wireless	600 / 130
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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