640 55th St, Oakland, CA 94609 Property Records

Alameda County property record for 640 55th St, Oakland, CA 94609

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,265 sqft · built 1980
Lot Size	0.102 acres (4,440 sqft)
Owner	Individual Name on Record
Last Sale	$1,295,000 (Dec 2021)
Tax Bill	$20,045 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-1212-12`

Property Details

APN / Parcel Number

Primary APN	`14-1212-12`
Alternative APN	`014-1212-012-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,265 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	4,440 sqft (0.102 acres)

Location & Zoning

Street Address	640 55TH ST
City	OAKLAND
State	CA
Zip	94609-1602
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT: 00012 BLK: AR: 0014 PAGE: 1212
Legal Subdivision	BOWLES & FITZGERALD
Legal Block	E
Legal Lot Number	147
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2003
Census Tract	400600

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	Individual Name on Record
Mailing Address	640 55TH ST, OAKLAND, CA 94609-1602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 30, 2019	Grant Deed, Transfer · ARM CITIBANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Prior Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	2021404615
Prior Transfer Date	Aug 18, 2006
Prior Transfer Doc	0000348961
Record Updated	Oct 29, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Dec 23, 2021
Property Address	640 55TH ST, OAKLAND, CA 94609-1602
Document Number	0000404615
Map Reference	MB 19 PG 80
Instrument Date	Dec 20, 2021
Instrument	2021404615
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,849.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 55TH ST, OAKLAND, CA 94609-1602

Mortgage

Document Number	0000404616
Date	Dec 23, 2021
Instrument	2021404616

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 30, 2019
Property Address	640 55TH ST, OAKLAND, CA 94609-1602
Document Number	0000171652
Map Reference	MB 19 PG 80
Instrument Date	Aug 15, 2019
Instrument	2019171652
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 55TH ST, OAKLAND, CA 94609-1602

Mortgage

Document Number	0000171653
Date	Aug 30, 2019
Instrument	2019171653

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

Tax Assessment & Valuation

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		$1,401,733 (+2%) Land $420,520 Building $981,213
2025	$20,045.00 (-1.85%)	$1,374,253 (+4.04%) Land $412,276 Building $961,977
2023	$20,423.00	$1,320,900 Land $396,270 Building $924,630

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

Flood

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

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 853 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 · Fixed Wireless, DSL 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
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Google Fiber.

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