4538 Arce St, Union City, CA 94587 Property Records

Alameda County property record for 4538 Arce St, Union City, CA 94587

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,968 sqft · built 2008
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Trust Names on File
Last Sale	$1,465,000 (Feb 2020)
Tax Bill	$21,693 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`543-467-105`

Property Details

APN / Parcel Number

Primary APN	`543-467-105`
Alternative APN	`543-0467-105-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,968 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4538 ARCE ST
City	UNION CITY
State	CA
Zip	94587-5640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00118 BLK: TR: 7601
Legal Subdivision	TRACT 7601
Legal Tract	7601
Legal Lot Number	118
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	1
Census Block	1010
Census Tract	441501

Owner

4538 Arce St is owner-occupied and held in a trust since February 2020.

Source: Alameda County records, as of October 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4538 ARCE ST, UNION CITY, CA 94587-5640
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
May 18, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Feb 28, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 6, 2017	Intrafamily Transfer, Transfer · ARM GENERAL MORTGAGE CAPITAL CORP
Jul 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Jan 29, 2008 · Amount on File
Deed Document Number	202048721
Prior Transfer Date	Jun 28, 2017
Prior Transfer Doc	0000146354
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Recording Date	Sep 1, 2026
Property Address	4538 ARCE ST, UNION CITY, CA 94587-5640
Document Number	0000112166
Instrument Date	Aug 21, 2026
Instrument	2026112166
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 171
Address	4538 ARCE ST, UNION CITY, CA 94587-5640

Mortgage

Document Number	0000112166,
Date	Sep 1, 2026
Instrument	2026112166

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4538 ARCE ST, UNION CITY, CA 94587-5640
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 ARCE ST, UNION CITY, CA 94587-5640

Mortgage

Document Number	0000096336
Date	May 18, 2022
Instrument	2022096336

Lender

Name	PNC BANK NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	478 Months
Due	Mar 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4538 ARCE ST, UNION CITY, CA 94587-5640
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 ARCE ST, UNION CITY, CA 94587-5640

Mortgage

Document Number	0000372462
Date	Dec 31, 2020
Instrument	2020372462

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35233

Agreement

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

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Feb 28, 2020
Property Address	4538 ARCE ST, UNION CITY, CA 94587-5640
Document Number	0000048721
Map Reference	MB 289 PG 61
Instrument Date	Feb 25, 2020
Instrument	2020048721
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	4538 ARCE STRETE, UNION CITY, CA 94587-5640

Mortgage

Document Number	0000048722
Date	Feb 28, 2020
Instrument	2020048722

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Jul 6, 2017
Property Address	4538 ARCE ST, UNION CITY, CA 94587-5640
Document Number	0000146354
Map Reference	MAP289 PG61
Instrument Date	Jun 28, 2017
Instrument	2017146354
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	Community Property with Right of Survivorship
Address	4538 ARCE ST, UNION CITY, CA 94587-5640

Mortgage

Document Number	0000146355
Date	Jul 6, 2017
Instrument	2017146355

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 6, 2017
Property Address	4538 ARCE ST, UNION CITY, CA 94587-5640
Document Number	0000146356
Instrument Date	Jun 28, 2017
Instrument	146356
Transaction Type	Transfer
Record Updated	Jul 25, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4538 ARCE ST UNION CITY CA 945875640, UNION CITY, CA 94587-5640

Tax Assessment & Valuation

The 2025 property tax bill for 4538 Arce St was $21,693.

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		$1,634,207 (+2%) Land $490,820 Building $1,143,387
2025	$21,693.00	$1,602,167 Land $481,197 Building $1,120,970
2023	$20,940.00	$1,539,963 Land $462,514 Building $1,077,449	$1,779,930

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4538 Arce St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 4538 Arce St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% 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 777 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
RobinsonHSS Fixed Wireless	1,000 / 1,000
Tekify Fiber & Wireless Fixed Wireless	580 / 125
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Sail Internet Fixed Wireless	200 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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