676 45th St, Oakland, CA 94609 Property Records

Alameda County property record for 676 45th St, Oakland, CA 94609

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,587 sqft · built 1920
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (Sep 2025)
Tax Bill	$15,929 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-1165-10`

Property Details

APN / Parcel Number

Primary APN	`13-1165-10`
Alternative APN	`013-1165-010-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,587 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1982
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)

Location & Zoning

Street Address	676 45TH ST
City	OAKLAND
State	CA
Zip	94609-1855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00010 BLK: AR: 0013 PAGE: 1165
Legal Subdivision	ALDEN
Legal Block	2109
Legal Lot Number	21
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2000
Census Tract	401000

Owner

676 45th St is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	676 45TH ST, OAKLAND, CA 94609-1855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 5, 2025	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Feb 7, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on File
Deed Sale	Sep 5, 2025 · Amount on File
Prior Sale	Feb 7, 2017 · Amount on File
Deed Document Number	2025111761
Prior Transfer Date	Sep 28, 2004
Prior Transfer Doc	0000455947
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	676 45TH ST, OAKLAND, CA 94609-1855
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 45TH ST, OAKLAND, CA 94609-1855

Mortgage

Document Number	0000161643
Date	Dec 17, 2025
Instrument	2025161643

Lender

Name	US BANK NA
Type	Bank
Address	2800 TAMARACK RD, OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	1-Year CMT
Max Rate	11%

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Sep 5, 2025
Property Address	676 45TH ST, OAKLAND, CA 94609-1855
Document Number	0000111761
Instrument Date	Aug 27, 2025
Instrument	2025111761
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,930.00
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
Relationship	Community Property
Address	676 45TH ST, OAKLAND, CA 94609-1855

Mortgage

Document Number	0000111762
Date	Sep 5, 2025
Instrument	2025111762

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	1-Year CMT
Max Rate	11.5%

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Feb 7, 2017
Property Address	676 45TH ST, OAKLAND, CA 94609-1855
Document Number	0000036519
Instrument Date	Jan 31, 2017
Instrument	36519
Transaction Type	Transfer
Record Updated	Feb 24, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$825.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	515 BUENA VISTA AVE W SAN FRANCISCO CA 941174106, SAN FRANCISCO, CA 94117-4106

Tax Assessment & Valuation

The 2025 property tax bill for 676 45th St was $15,929.

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		$1,293,000 (+23.17%) Land $390,000 Building $910,000
2025	$15,929.00	$1,049,775 Land $261,126 Building $788,649
2023	$16,153.00	$1,009,016 Land $250,987 Building $758,029	$1,009,890

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 676 45th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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 (1983)
Most Recent Claim	Mar 1983 · Coastal Storms, Floods, Slides & Tornadoes

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

The area around 676 45th 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.

Nearby Properties on 45th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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