Contra Costa County property record for 520 Gemstone Way, Oakley, CA 94561
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,243 sqft · built 2021 |
| Lot Size | 0.089 acres (3,864 sqft) |
| Owner | Individual Name on File |
| Last Sale | $729,500 (Apr 2022) |
| Tax Bill | $12,534 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 037-620-006-9 |
| Primary APN | 037-620-006-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,243 sqft Living Area |
| 1st Floor Area | 1,163 sqft |
| 2nd Floor Area | 1,080 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 3,864 sqft (0.089 acres) |
| Garage Type | Attached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 520 GEMSTONE WAY |
|---|---|
| City | OAKLEY |
| State | CA |
| Zip | 94561-6046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T9516 L6 |
| Legal Subdivision | SUBDIVISION #9516 WOODBURY |
| Legal Tract | 9516 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | EAST CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 302011 |
520 Gemstone Way is owned and occupied by an individual who bought it in April 2022.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1271 WASHINGTON AVE, SAN LEANDRO, CA 94577-3646 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2022 · Amount on File |
| Deed Sale | Apr 20, 2022 · Amount on File |
| Deed Document Number | 202268293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Apr 20, 2022 |
| Property Address | GEMSTONE WAY, OAKLEY, CA 94561 |
| Document Number | 0000068293 |
| Map Reference | MB 543 PG 36-43 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 2022-068293 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1271 WASHINGTON AVE # 439, 439, SAN LEANDRO, CA 94577-3646 |
| Document Number | 0000068294 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 2022-068294 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 520 Gemstone Way was $12,534 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Oakley City |
| Secondary School District | Liberty Union High School District (09 - 12) |
| Elementary School District | Oakley Union Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $677,000 (-0.44%) Land $297,174 Building $379,826 | |
| 2025 | $12,534.00 | $680,000 Land $298,492 Building $381,508 |
| 2023 | $11,962.00 (+42.1%) | $641,000 Land $281,000 Building $360,000 |
| 2022 | $8,418.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 520 Gemstone Way in Zone X, where a levee reduces flood risk.
Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 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 risk around 520 Gemstone Way is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 67% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 762 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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