522 Spalding St, Hayward, CA 94544 Property Records

Alameda County property record for 522 Spalding St, Hayward, CA 94544

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,321 sqft · built 2000
Lot Size	0.082 acres (3,582 sqft)
Owner	2 Individual Names on Record
Last Sale	$805,000 (Jul 2017)
Tax Bill	$13,955 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`465-71-31`

Property Details

APN / Parcel Number

Primary APN	`465-71-31`
Alternative APN	`465-0071-031-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,321 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,582 sqft (0.082 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	522 SPALDING ST
City	HAYWARD
State	CA
Zip	94544-6694
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00027 BLK: TR: 7069
Legal Subdivision	SUMMERHILL
Legal Tract	7069
Legal Lot Number	27
Jurisdiction	ALAMEDA CA
Township / Civil Division	HAYWARD
Census Block Group	3
Census Block	3017
Census Tract	438204

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	522 SPALDING ST, HAYWARD, CA 94544-6694
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jul 14, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Mar 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on Record
Deed Sale	Jul 14, 2017 · Amount on Record
Prior Sale	Jan 13, 2012 · Amount on Record
Deed Document Number	2017154132
Last Transfer Date	Dec 3, 2024
Transfer Doc	0000154743
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	522 SPALDING ST, HAYWARD, CA 94544-6694
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SPALDING ST, HAYWARD, CA 94544-6694
Investor	Possibly a Property Investor

Mortgage

Document Number	0000295797
Date	Aug 31, 2021
Instrument	2021295797

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	522 SPALDING ST, HAYWARD, CA 94544-6694
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALATLANTIC TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SPALDING ST, HAYWARD, CA 94544-6694

Mortgage

Document Number	0000193174
Date	Aug 10, 2020
Instrument	2020193174

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 14, 2017
Property Address	522 SPALDING ST, HAYWARD, CA 94544-6694
Document Number	0000154132
Instrument Date	Jul 6, 2017
Instrument	154132
Transaction Type	Transfer
Record Updated	Aug 4, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	146 BOARDNAIK WAY HAYWARD CA 94544, HAYWARD, CA 94544

Mortgage

Document Number	154133
Date	Jul 14, 2017
Instrument	154133

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 13, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	522 SPALDING ST, HAYWARD, CA 94544-6694
Document Number	0000069732
Instrument Date	Mar 20, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	522 SPALDING ST HAYWARD CA 945446694, HAYWARD, CA 94544-6694

Mortgage

Document Number	0000069732
Date	Mar 27, 2017
Instrument	69732

Lender

Name	ETHOS LNDG
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2047

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Municipality	Hayward City
Unified School District	Hayward Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,181,124 (+2%) Land $354,337 Building $826,787
2025	$13,955.00 (+28.66%)	$1,157,967 (+31.53%) Land $347,390 Building $810,577
2023	$10,846.00	$880,371 Land $264,111 Building $616,260	$1,120,950

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
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	5 (1998–2022)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 claims

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 94% of the US · lower than 96% 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	CITY OF HAYWARD serves 162,954 people · EPA ID CA0110006
Water Source	Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Tekify Fiber & Wireless Fixed Wireless	1,000 / 1,000
RobinsonHSS Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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