446 38th St, Oakland, CA 94609 Property Records

Alameda County property record for 446 38th St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,524 sqft · built 1890
Lot Size	0.09 acres (3,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,550,000 (Dec 2020)
Tax Bill	$23,314 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-973-23`

Property Details

APN / Parcel Number

Primary APN	`12-973-23`
Alternative APN	`012-0973-023-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,524 sqft Living Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1964
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,900 sqft (0.09 acres)

Location & Zoning

Street Address	446 38TH ST
City	OAKLAND
State	CA
Zip	94609-2730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00023 BLK: AR: 0012 PAGE: 0973
Legal Subdivision	BROADWAY & TELEGRAPH AVE PARK
Legal Block	C
Legal Lot Number	1
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2007
Census Tract	401100

Owner

Source: Alameda County records, as of August 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	446 38TH ST, OAKLAND, CA 94609-2730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
Dec 10, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 27, 2017	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2020 · Amount on Record
Deed Sale	Dec 10, 2020 · Amount on Record
Prior Sale	Jul 27, 2017 · Amount on Record
Deed Document Number	2020345213
Transfer Doc	0000135483
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	446 38TH ST, OAKLAND, CA 94609-2730
Document Number	0000038420
Instrument Date	Jan 15, 2021
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 38TH ST OAKLAND CA 946092730, OAKLAND, CA 94609-2730

Mortgage

Document Number	0000038420
Date	Jan 29, 2021
Instrument	38420

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	OAKLAND, CA 94612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Dec 10, 2020
Property Address	446 38TH ST, OAKLAND, CA 94609-2730
Document Number	0000345213
Map Reference	MB 9 PG 71
Instrument Date	Nov 16, 2020
Instrument	2020345213
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,955.00
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
Address	446 38TH ST, OAKLAND, CA 94609-2730

Mortgage

Document Number	0000345214
Date	Dec 10, 2020
Instrument	2020345214

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4%
Index	1-Year LIBOR
Max Rate	7%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 27, 2017
Property Address	446 38TH ST, OAKLAND, CA 94609-2730
Document Number	0000163859
Instrument Date	Jul 25, 2017
Instrument	163859
Transaction Type	Transfer
Record Updated	Aug 18, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$852.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5980 HARBORD DR OAKLAND CA 946113125, OAKLAND, CA 94611-3125

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		$1,704,292 (+1.58%) Land $513,387 Building $1,197,905
2025	$23,314.00 (-2.2%) Homeowner's exemption	$1,677,750 (+4.04%) Land $503,325 Building $1,174,425
2023	$23,838.00 Homeowner's exemption	$1,612,620 Land $483,786 Building $1,128,834	$1,552,410

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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