446 Monaco Ave, Union City, CA 94587 Property Records

Alameda County property record for 446 Monaco Ave, Union City, CA 94587

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,703 sqft · built 1986
Lot Size	0.236 acres (10,290 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,275,000 (Oct 2020)
Tax Bill	$18,353 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87-96-12`

Property Details

APN / Parcel Number

Primary APN	`87-96-12`
Alternative APN	`087-0096-012-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,703 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	10,290 sqft (0.236 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	446 MONACO AVE
City	UNION CITY
State	CA
Zip	94587-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00012 BLK: TR: 4945
Legal Subdivision	TRACT 4945
Legal Tract	4945
Legal Lot Number	12
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	1
Census Block	1023
Census Tract	440100

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	2 Individual Names on Record
Mailing Address	446 MONACO AVE, UNION CITY, CA 94587-3717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Prior Sale	Feb 5, 2016
Deed Document Number	2020268325
Prior Transfer Date	Apr 28, 1997
Prior Transfer Doc	0000111089
Record Updated	Oct 29, 2026

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Oct 9, 2020
Property Address	446 MONACO AVE, UNION CITY, CA 94587-3717
Document Number	0000268325
Map Reference	MB 136 PG 28-0
Instrument Date	Sep 25, 2020
Instrument	2020268325
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY

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	34421 TORREY PINE LN, UNION CITY, CA 94587-8063

Mortgage

Document Number	0000268326
Date	Oct 9, 2020
Instrument	2020268326

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	446 MONACO AVE, UNION CITY, CA 94587-3717
Document Number	0000126119
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 MONACO AVE UNION CITY CA 945873717, UNION CITY, CA 94587-3717

Mortgage

Document Number	0000126119
Date	Jun 2, 2020
Instrument	126119

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 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	Union City
Unified School District	New Haven Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,407,675 (+2%) Land $422,302 Building $985,373
2025	$18,353.00 (+2.91%)	$1,380,084 (+4.04%) Land $414,025 Building $966,059
2023	$17,834.00	$1,326,510 Land $397,953 Building $928,557	$1,190,520

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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	High above 75% of the US · above 52% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Tekify Fiber & Wireless Fixed Wireless	1,000 / 220
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Sail Internet.

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