861 20th St, Oakland, CA 94607 Property Records

Alameda County property record for 861 20th St, Oakland, CA 94607

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 1893
Lot Size	0.057 acres (2,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Jul 2025)
Tax Bill	$11,533 (2025)
Deeds & Mortgages	Nov 2020 Sale & Construction Loan Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-31-24`

Property Details

APN / Parcel Number

Primary APN	`3-31-24`
Alternative APN	`003-0031-024-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	2,500 sqft (0.057 acres)

Location & Zoning

Street Address	861 20TH ST
City	OAKLAND
State	CA
Zip	94607-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00024 BLK: AR: 0003 PAGE: 0031
Legal Subdivision	CURTIS & WILLIAMS
Legal Block	O
Legal Lot Number	6&7
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2011
Census Tract	402700

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	861 20TH ST, OAKLAND, CA 94607-3313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Grant Deed, Construction Loan · Construction Mortgage FINANCE OF AMERICA MORTGAGE LLC
Aug 21, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2025 · Amount on Record
Deed Sale	Jul 22, 2025 · Amount on Record
Prior Sale	Nov 6, 2020 · Amount on Record
Deed Document Number	202592072
Prior Transfer Date	Jul 30, 2019
Prior Transfer Doc	0000162639
Record Updated	Oct 29, 2026

November 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Nov 6, 2020
Property Address	861 20TH ST, OAKLAND, CA 94607-3313
Document Number	0000300531
Map Reference	MB 2 PG 20
Instrument Date	Oct 27, 2020
Instrument	2020300531
Transaction Type	Construction Loan
Record Updated	Jul 19, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$11,253.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	861 20TH ST, OAKLAND, CA 94607-3313

Mortgage

Document Number	0000300532
Date	Nov 6, 2020
Instrument	2020300532

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Aug 21, 2019
Property Address	861 20TH ST, OAKLAND, CA 94607-3313
Document Number	0000162639
Map Reference	MB 2 PG 20
Instrument Date	Jul 30, 2019
Instrument	2019162639
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	PLACER 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

Mortgage

Document Number	0000162640
Date	Aug 21, 2019
Instrument	2019162640

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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		$744,400 (-0.7%) Land $225,000 Building $525,000
2025	$11,533.00 (+3.83%) Homeowner's exemption	$749,611 (+3.08%) Land $226,983 Building $529,628
2024	$11,108.00 (-4.9%)
2023	$11,680.00 Homeowner's exemption	$727,238 Land $218,171 Building $509,067	$729,630

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 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2000 · rainfall accumulation

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 883 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, Google Fiber.

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