4631 el Centro Ave, Oakland, CA 94602 Property Records

Alameda County property record for 4631 el Centro Ave, Oakland, CA 94602

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,669 sqft · built 1923
Lot Size	0.123 acres (5,355 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,430,000 (Mar 2023)
Tax Bill	$20,967 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-560-11`

Property Details

APN / Parcel Number

Primary APN	`24-560-11`
Alternative APN	`024-0560-011-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,669 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1942
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,355 sqft (0.123 acres)

Location & Zoning

Street Address	4631 EL CENTRO AVE
City	OAKLAND
State	CA
Zip	94602-1464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00011 BLK: AR: 0024 PAGE: 0560
Legal Subdivision	FOURTH AVE HEIGHTS
Legal Block	9
Legal Lot Number	11&12
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1000
Census Tract	405000

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	4631 EL CENTRO AVE, OAKLAND, CA 94602-1464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK
Oct 28, 2019	Deed of Trust, Mortgage AMERICAN PACIFIC MTG
Jul 16, 2018	Deed of Trust, Mortgage FREMONT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Oct 11, 2012 · Amount on Record
Deed Document Number	202327782
Prior Transfer Date	Sep 12, 2016
Prior Transfer Doc	0000243183
Record Updated	Oct 29, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Mar 7, 2023
Property Address	4631 EL CENTRO AVE, OAKLAND, CA 94602-1464
Document Number	0000027782
Map Reference	MB 25 PG 43
Instrument Date	Feb 21, 2023
Instrument	2023027782
Transaction Type	Transfer
Record Updated	Mar 30, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,023.00
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	4631 EL CENTRO AVE, OAKLAND, CA 94602-1464

Mortgage

Document Number	0000027783
Date	Mar 7, 2023
Instrument	2023027783

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.65%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	3.95%
Max Rate At Change	10.9%
Index	1-Year T-Bill
Max Rate	10.9%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4631 EL CENTRO AVE, OAKLAND, CA 94602-1464
Document Number	0000223427
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2111 N RODEO GULCH RD SOQUEL CA 950739529, SOQUEL, CA 95073-9529

Mortgage

Document Number	0000223427
Date	Nov 1, 2019
Instrument	223427

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	4631 EL CENTRO AVE, OAKLAND, CA 94602-1464
Document Number	0000142010
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 1, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3026 BUCKINGHAM LN SANTA CRUZ CA 950623599, SANTA CRUZ, CA 95062-3599

Mortgage

Document Number	0000142010
Date	Jul 19, 2018
Instrument	142010

Lender

Name	FREMONT BK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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		$1,510,515 (+1.53%) Land $455,254 Building $1,062,261
2025	$20,967.00 (+62.1%) Homeowner's exemption	$1,487,771 (+82.97%) Land $446,331 Building $1,041,440
2023	$12,935.00 Homeowner's exemption	$813,111 Land $243,933 Building $569,178	$1,258,650

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	1 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% 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	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 1,030 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Google Fiber.

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