820 Optimo Ave, Fremont, CA 94539 Property Records

Alameda County property record for 820 Optimo Ave, Fremont, CA 94539

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,766 sqft · built 1986
Lot Size	0.187 acres (8,170 sqft)
Owner	Individual Name on Record
Last Sale	$3,300,000 (Mar 2025)
Tax Bill	$6,122 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`525-1654-10`

Property Details

APN / Parcel Number

Primary APN	`525-1654-10`
Alternative APN	`525-1654-010-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,766 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1989
Architectural Style	Other
Construction Type	Wood
Lot Area	8,170 sqft (0.187 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	820 OPTIMO AVE
City	FREMONT
State	CA
Zip	94539-3795
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	ALAMEDA CA
Township / Civil Division	FREMONT
Census Block Group	1
Census Block	1012
Census Tract	442100

Owner

Source: Alameda County records, as of October 20, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	820 OPTIMO AVE, FREMONT, CA 94539-3795
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 5, 2017	Deed of Trust, Mortgage · Line of Credit CITIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Apr 14, 2004
Deed Document Number	2025034187
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	820 OPTIMO AVE, FREMONT, CA 94539-3795
Transaction Type	Mortgage
Record Updated	Mar 4, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 OPTIMO AVE, FREMONT, CA 94539-3795

Mortgage

Document Number	0000010324
Date	Jan 28, 2026
Instrument	2026010324

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	1-Year CMT
Max Rate	10.1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	820 OPTIMO AVE, FREMONT, CA 94539-3795
Document Number	0000228593
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	820 OPTIMO AVE FREMONT CA 945393795, FREMONT, CA 94539-3795

Mortgage

Document Number	0000228593
Date	Oct 17, 2017
Instrument	228593

Lender

Name	CITIBANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Alameda County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,122.00 (+8.6%) Homeowner's exemption	$462,020 (+4.04%) Land $83,888 Building $378,132
2023	$5,637.00 Homeowner's exemption	$444,082 Land $80,631 Building $363,451

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 610 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Tekify Fiber & Wireless Fixed Wireless	650 / 150
Sail Internet Fixed Wireless	500 / 100
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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