445 45th St, Oakland, CA 94609 Property Records

Alameda County property record for 445 45th St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,618 sqft · built 1912
Lot Size	0.088 acres (3,850 sqft)
Owner	Individual Name on Record
Last Sale	$655,000 (Apr 2012)
Tax Bill	$12,731 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-1099-38`

Property Details

APN / Parcel Number

Primary APN	`13-1099-38`
Alternative APN	`013-1099-038-00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,618 sqft Living Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,850 sqft (0.088 acres)

Location & Zoning

Street Address	445 45TH ST
City	OAKLAND
State	CA
Zip	94609-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00038 BLK: AR: 0013 PAGE: 1099
Legal Subdivision	BURGESS
Legal Tract	17
Legal Lot Number	11
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	7445 45TH ST, OAKLAND, CA 94609
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 1, 2025	Deed of Trust, Mortgage · Line of Credit VALON MORTGAGE INC
Sep 11, 2025	Quit Claim Deed, Transfer Quitclaim
Apr 17, 2020	Affidavit of Death, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Apr 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2012 · Amount on Record
Deed Sale	Apr 5, 2012 · Amount on Record
Prior Sale	Mar 11, 2008 · Amount on Record
Deed Document Number	2012113704
Last Transfer Date	Apr 2, 2020
Transfer Doc	0000086848
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	445 45TH ST, OAKLAND, CA 94609-2135
Transaction Type	Mortgage
Record Updated	Oct 3, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 45TH ST, OAKLAND, CA 94609-2135

Mortgage

Document Number	0000308146
Date	Sep 13, 2021
Instrument	2021308146

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	445 45TH ST, OAKLAND, CA 94609-2135
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 45TH ST, OAKLAND, CA 94609-2135

Mortgage

Document Number	0000083717
Date	Jul 1, 2025
Instrument	2025083717

Lender

Name	VALON MORTGAGE INC
Type	Mortgage Company
Address	14647 S 50TH ST # A150, PHOENIX, AZ 85044

Agreement

Type	Line of Credit
Term	180 Months
Due	Jun 30, 2040

Interest

Change Frequency	Monthly

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 11, 2025
Property Address	445 45TH ST, OAKLAND, CA 94609-2135
Document Number	0000113886
Map Reference	MB 21 PG 44
Instrument Date	Aug 27, 2025
Instrument	2025113886
Transaction Type	Transfer
Record Updated	Oct 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 45TH ST, OAKLAND, CA 94609-2135

April 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ALAMEDA CA
Recording Date	Apr 17, 2020
Property Address	445 45TH ST, OAKLAND, CA 94609-2135
Document Number	0000086847
Instrument Date	Apr 3, 2020
Instrument	86847
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 45TH ST OAKLAND CA 946092135, OAKLAND, CA 94609-2135

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Apr 17, 2020
Property Address	445 45TH ST, OAKLAND, CA 94609-2135
Document Number	0000086848
Map Reference	MB 21 PG 44
Instrument Date	Apr 2, 2020
Instrument	2020086848
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	445 45TH ST, OAKLAND, CA 94609-2135

Mortgage

Document Number	0000086849
Date	Apr 17, 2020
Instrument	2020086849

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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		$859,580 (+1.18%) Land $259,974 Building $606,606
2025	$12,731.00 (-1.43%) Homeowner's exemption	$849,594 (+4.04%) Land $254,878 Building $594,716
2023	$12,916.00 Homeowner's exemption	$816,611 Land $244,983 Building $571,628	$1,385,370

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.

Nearby Properties on 45th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures