4781 Thomas Dr, Oakley, CA 94561 Property Records

Contra Costa County property record for 4781 Thomas Dr, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,127 sqft · built 1996
Lot Size	0.13 acres (5,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Jul 2017)
Tax Bill	$5,945 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-220-010-7`

Property Details

APN / Parcel Number

Primary APN	`041-220-010-7`
Alternative APN	`041-220-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,127 sqft Living Area
1st Floor Area	1,127 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1998
Lot Area	5,670 sqft (0.13 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	4781 THOMAS DR
City	OAKLEY
State	CA
Zip	94561-4170
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T7707 L10
Legal Subdivision	SUBDIVISION 7707
Legal Tract	7707
Legal Lot Number	10
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1002
Census Tract	302013

Owner

Source: Contra Costa County records, as of July 14, 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	4781 THOMAS DR, OAKLEY, CA 94561-4170
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 19, 2019	Deed of Trust, Mortgage · FHA Mortgage JMAC LENDING
Jul 7, 2017	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on Record
Deed Sale	Jul 7, 2017 · Amount on Record
Prior Sale	Nov 3, 2000 · Amount on Record
Deed Document Number	2017121959
Prior Transfer Date	Feb 20, 2007
Prior Transfer Doc	0000093892
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4781 THOMAS DR, OAKLEY, CA 94561-4170
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 THOMAS DR, OAKLEY, CA 94561-4170

Mortgage

Document Number	0000346446
Date	Dec 27, 2021
Instrument	2021-346446

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4781 THOMAS DR, OAKLEY, CA 94561-4170
Document Number	0000161660
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4781 THOMAS DR OAKLEY CA 945614170, OAKLEY, CA 94561-4170

Mortgage

Document Number	0000161660
Date	Sep 27, 2019
Instrument	161660

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 7, 2017
Property Address	4781 THOMAS DR, OAKLEY, CA 94561-4170
Document Number	0000121959
Map Reference	MB370 PG29
Instrument Date	Jul 5, 2017
Instrument	2017-121959
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC 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	Joint Tenants
Address	4781 THOMAS DR, OAKLEY, CA 94561-4170

Mortgage

Document Number	0000121960
Date	Jul 7, 2017
Instrument	2017-121960

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Oakley City
Unified School District	Antioch Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$423,608 (+2%) Land $197,297 Building $226,311
2025	$5,945.00 (+4.76%) Homeowner's exemption	$415,303 (+4.04%) Land $193,429 Building $221,874
2023	$5,675.00 (+1.61%) Homeowner's exemption	$399,178 Land $185,919 Building $213,259
2022	$5,585.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	DIABLO WATER DISTRICT serves 47,158 people · EPA ID CA0710007
Water Source	Purchased surface water from RANDALL-BOLD WATER TREATMENT PLANT
Last State Inspection	Jan 2024
Also Mapped Here	CONTRA COSTA WATER DISTRICT
Lead	2 ppb (2020–2022) 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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