1. Home
  2. California
  3. Contra Costa County
  4. Oakley
  5. Gingham Way

640 Gingham Way, Oakley, CA 94561 Property Records

Contra Costa County property record for 640 Gingham Way, Oakley, CA 94561

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,480 sqft · built 1988
Lot Size0.069 acres (3,000 sqft)
OwnerIndividual Name on File
Last Sale$418,000 (Apr 2019)
Tax Bill$6,187 (2025)
Deeds & MortgagesFeb 2017 Mortgage
Feb 2018 Line of Credit
+ 3 more
Flood ZoneZone X (minimal risk)
APN037-280-014-4

Property Details

APN / Parcel Number

Primary APN037-280-014-4
Alternative APN
  • 037-280-014

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,480 sqft Living Area
1st Floor Area854 sqft
2nd Floor Area626 sqft

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1998
Architectural StyleCluster
Lot Area3,000 sqft (0.069 acres)
Garage TypeAttached
Garage Area425 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address640 GINGHAM WAY
CityOAKLEY
StateCA
Zip94561-3105
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionT6576 L48
Legal SubdivisionSUBDIVISION 6576
Legal Tract6576
Legal Lot Number48
JurisdictionCONTRA COSTA CA
Township / Civil DivisionEAST CONTRA COSTA
Census Block Group2
Census Block2026
Census Tract302006

Owner

Source: Contra Costa County records · APN 037-280-014-4

Assessment roll updated July 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address640 GINGHAM WAY, OAKLEY, CA 94561-3105
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 02, 2017Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Feb 23, 2018Deed of Trust, Mortgage · Line of Credit
JPMORGAN CHASE BANK NA
Feb 07, 2019Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCE CO
Aug 07, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Apr 05, 2019Grant Deed, Transfer · Conventional Mortgage
AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 05, 2019 · Amount on Record
Deed SaleApr 05, 2019 · Amount on Record
Prior SaleMar 01, 1999 · Amount on Record
Deed Document Number201947219
Prior Transfer DateNov 15, 2002
Prior Transfer Doc0000430722
Record UpdatedSep 20, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address640 GINGHAM WAY, OAKLEY, CA 94561-3105
Transaction TypeMortgage
Record UpdatedNov 03, 2022
Title CompanyADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000021315
DateFeb 02, 2017
Instrument2017-021315
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2047

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address640 GINGHAM WAY, OAKLEY, CA 94561-3105
Transaction TypeMortgage
Record UpdatedNov 03, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000028248
DateFeb 23, 2018
Instrument2018-028248
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueMar 01, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address640 GINGHAM WAY, OAKLEY, CA 94561-3105
Transaction TypeMortgage
Record UpdatedNov 03, 2022
Title CompanyADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000016773
DateFeb 07, 2019
Instrument2019-016773
Lender
NameCARDINAL FINANCE CO
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2049

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address640 GINGHAM WAY, OAKLEY, CA 94561-3105
Transaction TypeMortgage
Record UpdatedNov 03, 2022
Title CompanyOLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000165230
DateAug 07, 2020
Instrument2020-165230
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

April 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCONTRA COSTA CA
Recording DateApr 05, 2019
Property Address640 GINGHAM WAY, OAKLEY, CA 94561-3105
Document Number0000047219
Map ReferenceMB 312 PG 29
Instrument DateMar 22, 2019
Instrument2019-047219
Transaction TypeTransfer
Record UpdatedNov 03, 2022
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1432 GARAVENTA CT, CONCORD, CA 94521-3640

Mortgage

Document Number0000047220
DateApr 05, 2019
Instrument2019-047220
Lender
NameAMERICAN PACIFIC MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2049

Tax Assessment & Valuation

Source: Contra Costa County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyContra Costa County
MunicipalityOakley City
Secondary School DistrictLiberty Union High School District (09 - 12)
Elementary School DistrictOakley Union Elementary School District (KG - 08)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$475,606 (+2%) Land $170,671 Building $304,935
2025$6,187.00 (+2.93%)$466,281 (+4.04%) Land $167,325 Building $298,956
2023$6,011.00 (+0.8%)$448,178 Land $160,829 Building $287,349
2022$5,963.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Contra Costa County (06013C), updated October 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060133020062, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 in force

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 622 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Unwired
Fixed Wireless		300 / 25
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemDIABLO WATER DISTRICT
serves 47,158 people
Water SourcePurchased surface water from RANDALL-BOLD WATER TREATMENT PLANT
Last State InspectionJan 2024
Also Mapped HereCONTRA COSTA WATER DISTRICT
Lead2 ppb (2020–2022)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Gingham Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures