8908 Thermal St, Oakland, CA 94605 Property Records

Alameda County property record for 8908 Thermal St, Oakland, CA 94605

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,873 sqft · built 1940
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on Record
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Jul 2023 Transfer Apr 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43A-4640-19`

Property Details

APN / Parcel Number

Primary APN	`43A-4640-19`
Alternative APN	`043A-4640-019-00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,873 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1952
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)

Location & Zoning

Street Address	8908 THERMAL ST
City	OAKLAND
State	CA
Zip	94605-4022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00019 BLK: AR: 043A PAGE: 4640
Legal Subdivision	TOLER HEIGHTS
Legal Block	G
Legal Lot Number	16
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2001
Census Tract	409800

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	Company Name on Record
Mailing Address	8908 THERMAL ST, OAKLAND, CA 94605-4022
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Intrafamily Transfer, Transfer
Apr 29, 2020	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Apr 22, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 26, 2023
Transfer Doc	0000085988
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALAMEDA CA
Recording Date	Jul 28, 2023
Property Address	8908 THERMAL ST, OAKLAND, CA 94605-4022
Document Number	0000085988
Map Reference	MB 23 PG 34
Instrument Date	Jul 26, 2023
Instrument	2023085988
Transaction Type	Transfer
Record Updated	Aug 30, 2023

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	Revocable Living Trust
Address	8908 THERMAL ST, OAKLAND, CA 94605-4022

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	8908 THERMAL ST, OAKLAND, CA 94605-4022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099093
Date	Apr 29, 2020
Instrument	2020099093

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	838 Months
Due	Feb 27, 2090

Interest

Rate Type	Adjustable Rate
Rate	2.98%
Type Change Date	May 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	8908 THERMAL ST, OAKLAND, CA 94605-4022
Document Number	0000099094
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8908 THERMAL ST OAKLAND CA 946054022, OAKLAND, CA 94605-4022

Mortgage

Document Number	0000099094
Date	Apr 29, 2020
Instrument	99094

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	840 Months
Due	Apr 28, 2090

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		$103,585 (-4.46%) Land $25,535 Building $85,050
2025	$3,100.00 (+4.48%) Homeowner's exemption	$108,417 (+4.04%) Land $25,035 Building $83,382
2023	$2,967.00 (+5.66%) Homeowner's exemption	$104,208 (+2%) Land $24,063 Building $80,145	$777,240
2022	$2,808.00 Homeowner's exemption	$102,165 Land $23,591 Building $78,574

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 Policies	7 in force
Nearby Flood Claims	5 (1979–2023)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

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 514 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile.

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