6404 Cotton Ave, Newark, CA 94560 Property Records

Alameda County property record for 6404 Cotton Ave, Newark, CA 94560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,186 sqft · built 1959
Lot Size	0.13 acres (5,650 sqft)
Owner	2 Company Names on Record
Tax Bill	$1,433 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2026 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`92A-1095-21`

Property Details

APN / Parcel Number

Primary APN	`92A-1095-21`
Alternative APN	`092A-1095-021-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,186 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,650 sqft (0.13 acres)

Location & Zoning

Street Address	6404 COTTON AVE
City	NEWARK
State	CA
Zip	94560-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CENTRAL NEWARK
Legal Block	7
Legal Lot Number	9,10
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	3
Census Block	3011
Census Tract	444500

Owner

Source: Alameda County records, as of October 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	6404 COTTON AVE, NEWARK, CA 94560-4026
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Affidavit, Transfer
Sep 3, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Nov 24, 2020	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Oct 22, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 27, 2026
Transfer Doc	0000113478
Record Updated	Oct 29, 2026

September 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ALAMEDA CA
Recording Date	Sep 3, 2026
Property Address	6404 COTTON AVE, NEWARK, CA 94560-4026
Document Number	0000113478
Instrument Date	Aug 27, 2026
Instrument	2026113478
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6404 COTTON AVE, NEWARK, CA 94560-4026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 3, 2026
Property Address	6404 COTTON AVE, NEWARK, CA 94560-4026
Document Number	0000113479
Instrument Date	Jul 1, 2026
Instrument	2026113479
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6404 COTTON AVE, NEWARK, CA 94560-4026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	6404 COTTON AVE, NEWARK, CA 94560-4026
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6404 COTTON AVE, NEWARK, CA 94560-4026

Mortgage

Document Number	0000323768
Date	Nov 24, 2020
Instrument	2020323768

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	778 Months
Due	Sep 2, 2085

Interest

Rate Type	Adjustable Rate
Rate	2.83%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	6404 COTTON AVE, NEWARK, CA 94560-4026
Document Number	0000323769
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6404 COTTON AVE NEWARK CA 945604026, NEWARK, CA 94560-4026

Mortgage

Document Number	0000323769
Date	Nov 24, 2020
Instrument	323769

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	780 Months
Due	Nov 23, 2085

Interest

Rate Type	Adjustable Rate
Rate	2.83%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,020 (-8.98%) Land $23,007 Building $42,013
2025	$1,433.00 (+7.42%) Homeowner's exemption	$63,746 (+4.04%) Land $22,556 Building $41,190
2023	$1,334.00 Homeowner's exemption	$61,270 Land $21,680 Building $39,590	$838,440

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	ALAMEDA COUNTY WATER DISTRICT serves 344,000 people · EPA ID CA0110001
Water Source	Surface water
Last State Inspection	Nov 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
RobinsonHSS Fixed Wireless	1,000 / 1,000
Tekify Fiber & Wireless Fixed Wireless	600 / 130
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Ridge Wireless Fixed Wireless	100 / 60

May also be available: AT&T, GeoLinks, Sail Internet, T-Mobile.

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