494 48th St, Oakland, CA 94609 Property Records

Alameda County property record for 494 48th St, Oakland, CA 94609

Property Summary

Property Type	Duplex
Details	5 bd · 3.5 ba · 1,842 sqft · built 1888
Lot Size	0.072 acres (3,130 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,059 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-1151-16`

Property Details

APN / Parcel Number

Primary APN	`13-1151-16`
Alternative APN	`013-1151-016-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,842 sqft Living Area

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1944
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,130 sqft (0.072 acres)

Location & Zoning

Street Address	494 48TH ST
City	OAKLAND
State	CA
Zip	94609-2132
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT: 00016 BLK: AR: 0013 PAGE: 1151
Legal Subdivision	TEMESCAL PARK
Legal Lot Number	24-26
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1006
Census Tract	401100

Owner

494 48th St, a duplex, is owned by two individuals who acquired it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	11305 ELVESSA ST, OAKLAND, CA 94605-5519
Owner Type	Individual

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
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 20, 2017	Intrafamily Transfer, Transfer · Commercial Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 7, 2017
Transfer Doc	0000088786
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	494 48TH ST, OAKLAND, CA 94609-2132
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11305 ELVESSA ST, OAKLAND, CA 94605-5519

Mortgage

Document Number	0000358461
Date	Nov 1, 2021
Instrument	2021358461

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	494 48TH ST, OAKLAND, CA 94609-2132
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202259
Date	Oct 18, 2018
Instrument	2018202259

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Apr 20, 2017
Property Address	494 48TH ST, OAKLAND, CA 94609-2132
Document Number	0000088786
Map Reference	MB7 PG9
Instrument Date	Apr 7, 2017
Instrument	2017088786
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN 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	Joint Tenants
Address	11035 ELVESSA ST, OAKLAND, CA 94605

Mortgage

Document Number	0000088787
Date	Apr 20, 2017
Instrument	2017088787

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 494 48th St was $5,059.

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
2026		$203,937 (+2%) Land $21,475 Building $182,462
2025	$5,059.00	$199,939 Land $21,054 Building $178,885
2023	$4,935.00	$192,176 Land $20,236 Building $171,940

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

Flood

FEMA maps place 494 48th St in Zone X, an area of minimal flood risk.

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

The area around 494 48th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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