840 E 28th St, Oakland, CA 94610 Property Records

Alameda County property record for 840 E 28th St, Oakland, CA 94610

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,131 sqft · built 1920
Lot Size	0.099 acres (4,320 sqft)
Owner	2 Individual Names on Record
Last Sale	$858,000 (Aug 2025)
Tax Bill	$14,233 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-395-31`

Property Details

APN / Parcel Number

Primary APN	`23-395-31`
Alternative APN	`023-0395-031-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,131 sqft Living Area
Gross Area	360 sqft
Basement Area	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,320 sqft (0.099 acres)
Lot Dimensions	90 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	840 E 28TH ST
City	OAKLAND
State	CA
Zip	94610-4015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R70
Legal Description	LOT: 00031 BLK: AR: 0023 PAGE: 0395
Legal Subdivision	ARDSLEY HEIGHTS
Legal Lot Number	22
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	1
Census Block	1006
Census Tract	405600

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	840 E 28TH ST, OAKLAND, CA 94610-4015
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jan 22, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Prior Sale	Jan 22, 2020 · Amount on Record
Deed Document Number	2025104752
Prior Transfer Date	Aug 18, 2006
Prior Transfer Doc	0000324533
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	840 E 28TH ST, OAKLAND, CA 94610-4015
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 E 28TH ST, OAKLAND, CA 94610-4015

Mortgage

Document Number	0000387852
Date	Dec 3, 2021
Instrument	2021387852

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 18, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jan 22, 2020
Property Address	840 E 28TH ST, OAKLAND, CA 94610-4015
Document Number	0000013523
Instrument Date	Jan 22, 2020
Instrument	13523
Transaction Type	Transfer
Record Updated	Mar 11, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$974.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 E 28TH ST OAKLAND CA 946104015, OAKLAND, CA 94610-4015

Mortgage

Document Number	13524
Date	Jan 22, 2020
Instrument	13524

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

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		$858,000 (-11.35%) Land $257,400 Building $600,600
2025	$14,233.00 (-1.61%) Homeowner's exemption	$967,861 (+4.04%) Land $290,358 Building $677,503
2023	$14,466.00 Homeowner's exemption	$930,284 Land $279,085 Building $651,199	$943,110

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 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

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 1,063 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	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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