6445 Irwin Ct, Oakland, CA 94609 Property Records

Alameda County property record for 6445 Irwin Ct, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,644 sqft · built 1908
Lot Size	0.061 acres (2,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,860,000 (Mar 2026)
Tax Bill	$14,782 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Sep 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-1424-34`

Property Details

APN / Parcel Number

Primary APN	`16-1424-34`
Alternative APN	`016-1424-034-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,644 sqft Living Area

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1940
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	2,640 sqft (0.061 acres)

Location & Zoning

Street Address	6445 IRWIN CT
City	OAKLAND
State	CA
Zip	94609-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00034 BLK: AR: 0016 PAGE: 1424
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1003
Census Tract	400500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	6445 IRWIN CT, OAKLAND, CA 94609-1122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 29, 2021	Intrafamily Transfer, Transfer
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 17, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Mar 30, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on Record
Deed Sale	Mar 17, 2026 · Amount on Record
Prior Sale	Apr 25, 2007 · Amount on Record
Deed Document Number	202635360
Prior Transfer Date	Sep 7, 2021
Prior Transfer Doc	0000325502
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Mar 17, 2026
Property Address	6445 IRWIN CT, OAKLAND, CA 94609-1122
Document Number	0000035360
Instrument Date	Mar 5, 2026
Instrument	2026035360
Transaction Type	Transfer
Record Updated	Apr 28, 2026
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	$29,946.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	6445 IRWIN CT, OAKLAND, CA 94609-1122

Mortgage

Document Number	0000035361
Date	Mar 17, 2026
Instrument	2026035361

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Sep 29, 2021
Property Address	6445 IRWIN CT, OAKLAND, CA 94609-1122
Document Number	0000325502
Instrument Date	Sep 7, 2021
Instrument	2021325502
Transaction Type	Transfer
Record Updated	Apr 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	6445 IRWIN CT, OAKLAND, CA 94609-1122

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	6445 IRWIN CT, OAKLAND, CA 94609-1122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6445 IRWIN CT, OAKLAND, CA 94609-1122

Mortgage

Document Number	0000272827
Date	Oct 14, 2020
Instrument	2020272827

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 17, 2019
Property Address	6445 IRWIN CT, OAKLAND, CA 94609-1122
Document Number	0000136406
Instrument Date	Jul 9, 2019
Instrument	136406
Transaction Type	Transfer
Record Updated	Jul 29, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	6445 IRWIN CT OAKLAND CA 946091122, OAKLAND, CA 94609-1122

Mortgage

Document Number	136407
Date	Jul 17, 2019
Instrument	136407

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2049

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Mar 30, 2018
Property Address	6445 IRWIN CT, OAKLAND, CA 94609-1122
Document Number	0000065339
Instrument Date	Mar 23, 2018
Instrument	2018065339
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	6445 IRWIN CT, OAKLAND, CA 94609-1122

Mortgage

Document Number	0000065340
Date	Mar 30, 2018
Instrument	2018065340

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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	Assessed Market Value
2026		$1,023,317 (+2.01%) Land $309,095 Building $721,222
2025	$14,782.00 (+3.73%) Homeowner's exemption	$1,003,118 (+3.32%) Land $303,035 Building $707,083
2024	$14,250.00 (-5.21%)
2023	$15,033.00 Homeowner's exemption	$970,902 Land $291,270 Building $679,632	$1,355,130

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

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 1,130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Sonic Telecom Fiber	1,000 / 1,000
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Google Fiber.

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