644 40th St, Oakland, CA 94609 Property Records

Alameda County property record for 644 40th St, Oakland, CA 94609

Property Summary

Property Type	Mixed Use Store/Office
Details	2 ba · 6,115 sqft · built 2016
Lot Size	0.149 acres (6,498 sqft)
Owner	Company Name on File
Last Sale	$575,000 (May 2014)
Tax Bill	$24,010 (2025)
Deeds & Mortgages	Feb 2017 Construction Loan Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-1012-30-2`

Property Details

APN / Parcel Number

Primary APN	`12-1012-30-2`
Alternative APN	`012-1012-030-02`

Interior

Full Baths	2 Baths
Units	2 Units
Stories	3 Stories
Building Area	6,115 sqft Total Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
Construction Type	Frame
Fire Resistance	Special
Lot Area	6,498 sqft (0.149 acres)

Location & Zoning

Street Address	644 40TH ST
City	OAKLAND
State	CA
Zip	94609-2304
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Legal Description	LOT: 00002 BLK: 0030 AR: 0012 PAGE: 1012
Legal Subdivision	MONTGOMERY
Legal Lot Number	7
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	4
Census Block	4000
Census Tract	401000

Owner

644 40th St, a commercial property, is owned by a company that bought it in May 2014.

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

Owner of Record	Company Name on File
Mailing Address	3871 PIEDMONT AVE, OAKLAND, CA 94611-5378
Owner Type	Company
Vesting	Company

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

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2017	Deed of Trust, Mortgage · Construction Mortgage FREMONT BANK
Dec 16, 2021	Deed of Trust, Mortgage · Commercial Mortgage FREMONT BANK
Aug 4, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2014 · Amount on File
Deed Sale	May 20, 2014 · Amount on File
Deed Document Number	2014123684
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	644 40TH ST, OAKLAND, CA 94609-2304
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041760
Date	Feb 15, 2017
Instrument	2017041760

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2027

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	644 40TH ST, OAKLAND, CA 94609-2304
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TTL CO OAKLAND

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3871 PIEDMONT AVE 301, 301, OAKLAND, CA 94611-5378

Mortgage

Document Number	0000398984
Date	Dec 16, 2021
Instrument	2021398984

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2032

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 4, 2017
Property Address	644 40TH ST, OAKLAND, CA 94609-2304
Document Number	0000170644
Map Reference	MB8 PG35
Instrument Date	Jul 27, 2017
Instrument	2017170644
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3871 PIEDMONT AVE # 301, 301, OAKLAND, CA 94611-5378

Tax Assessment & Valuation

The 2025 property tax bill for 644 40th St was $24,010.

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		$1,588,482 (+2%) Land $406,354 Building $1,182,128
2025	$24,010.00	$1,557,339 Land $398,388 Building $1,158,951
2023	$24,040.00	$1,496,876 Land $382,921 Building $1,113,955

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

Flood

FEMA maps place 644 40th St in Zone X, an area of minimal flood risk.

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

The area around 644 40th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 857 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 · DSL · Fixed Wireless 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

May also be available: Astound Broadband, GeoLinks, Google Fiber, T-Mobile.

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