441 45th St, Oakland, CA 94609 Property Records

Alameda County property record for 441 45th St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,272 sqft · built 1910
Lot Size	0.088 acres (3,850 sqft)
Owner	Individual Name on Record
Last Sale	$695,000 (Aug 2005)
Tax Bill	$14,010 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-1099-39`

Property Details

APN / Parcel Number

Primary APN	`13-1099-39`
Alternative APN	`013-1099-039-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,272 sqft Living Area
1st Floor Area	1,272 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,850 sqft (0.088 acres)

Location & Zoning

Street Address	441 45TH ST
City	OAKLAND
State	CA
Zip	94609-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00039 BLK: AR: 0013 PAGE: 1099
Legal Subdivision	BURGESS
Legal Tract	17
Legal Lot Number	12
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1010
Census Tract	401100

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	441 45TH ST, OAKLAND, CA 94609-2135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 3, 2017	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2005 · Amount on Record
Deed Sale	Aug 3, 2005 · Amount on Record
Prior Sale	Nov 9, 2001 · Amount on Record
Deed Document Number	2005329776
Prior Transfer Date	Oct 24, 2001
Prior Transfer Doc	0000440853
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	441 45TH ST, OAKLAND, CA 94609-2135
Transaction Type	Mortgage
Record Updated	Feb 4, 2022
Title Company	DOMA TITLE OF CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 CENTER ST, LAGUNA BEACH, CA 92651-3341

Mortgage

Document Number	0000008159
Date	Jan 12, 2022
Instrument	2022008159

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	441 45TH ST, OAKLAND, CA 94609-2135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 CENTER ST, LAGUNA BEACH, CA 92651-3341

Mortgage

Document Number	0000216040
Date	Aug 31, 2020
Instrument	2020216040

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	441 45TH ST, OAKLAND, CA 94609-2135
Document Number	0000038830
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 45TH ST OAKLAND CA 946092135, OAKLAND, CA 94609-2135

Mortgage

Document Number	0000038830
Date	Feb 9, 2017
Instrument	38830

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2047

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		$961,676 (+1.26%) Land $290,603 Building $678,073
2025	$14,010.00 (-1.59%) Homeowner's exemption	$949,688 (+4.04%) Land $284,906 Building $664,782
2023	$14,236.00 Homeowner's exemption	$912,818 Land $273,845 Building $638,973	$987,300

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

FEMA Flood Zone	Zone X minimal risk
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	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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