539 Gemstone Way, Oakley, CA 94561 Property Records

Contra Costa County property record for 539 Gemstone Way, Oakley, CA 94561

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,243 sqft · built 2021
Lot Size	0.089 acres (3,887 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Sep 2022)
Tax Bill	$12,434 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`037-620-056-4`

Property Details

APN / Parcel Number

Primary APN	`037-620-056-4`
Alternative APN	`037-620-056`

Interior

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

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Lot Area	3,887 sqft (0.089 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	539 GEMSTONE WAY
City	OAKLEY
State	CA
Zip	94561-6046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9516 L56
Legal Subdivision	WOODBURY SUB #9516
Legal Tract	9516
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1009
Census Tract	302011

Owner

539 Gemstone Way is owned and occupied by two individuals who bought it in September 2022.

Source: Contra Costa County records, as of October 19, 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 File
Mailing Address	539 GEMSTONE WAY, OAKLEY, CA 94561-6046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022 · Amount on File
Deed Sale	Sep 7, 2022 · Amount on File
Deed Document Number	2022136466
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 7, 2022
Property Address	539 GEMSTONE WAY, OAKLEY, CA 94561-6046
Document Number	0000136466
Map Reference	MB 543 PG 36-43
Instrument Date	Aug 28, 2022
Instrument	2022-136466
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
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	Community Property
Address	539 GEMSTONE WAY, OAKLEY, CA 94561-6046

Mortgage

Document Number	0000136467
Date	Sep 7, 2022
Instrument	2022-136467

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Oct 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	Other
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 539 Gemstone Way was $12,434.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$684,159 (+2%) Land $339,586 Building $344,573
2025	$12,434.00	$670,745 Land $332,928 Building $337,817
2023	$12,003.00 (+71.18%)	$644,700 Land $320,000 Building $324,700
2022	$7,012.00

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

Flood

FEMA maps place 539 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

Wildfire risk around 539 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.

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 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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