891 45th St, Oakland (Emeryville), CA 94608 Property Records

Alameda County property record for 891 45th St, Oakland, CA 94608

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,159 sqft · built 1915
Lot Size	0.079 acres (3,420 sqft)
Owner	2 Trust Names on File
Last Sale	$935,000 (Sep 2024)
Tax Bill	$13,822 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Jul 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-1088-25`

Property Details

APN / Parcel Number

Primary APN	`13-1088-25`
Alternative APN	`013-1088-025-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,159 sqft Living Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,420 sqft (0.079 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	891 45TH ST
City	EMERYVILLE
State	CA
Zip	94608-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00025 BLK: AR: 0013 PAGE: 1088
Legal Subdivision	ALDEN/TEMESCAL
Legal Block	2103
Legal Lot Number	3&4
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	2
Census Block	2007
Census Tract	401000

Owner

891 45th St is owner-occupied and held in a trust since September 2024.

Source: Alameda County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	891 45TH ST, EMERYVILLE, CA 94608-3411
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Nov 5, 2018	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Jul 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAP
Oct 12, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2024 · Amount on File
Deed Sale	Sep 11, 2024 · Amount on File
Prior Sale	Jun 24, 2016 · Amount on File
Deed Document Number	2024110995
Prior Transfer Date	Jun 15, 2020
Prior Transfer Doc	0000168555
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	891 45TH ST, OAKLAND, CA 94608-3411
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213526
Date	Nov 5, 2018
Instrument	2018213526

Lender

Name	UMPQUA BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 17, 2020
Property Address	891 45TH ST, OAKLAND, CA 94608-3411
Document Number	0000168555
Instrument Date	Jun 15, 2020
Instrument	168555
Transaction Type	Transfer
Record Updated	Sep 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3141 STEVENS CREEK BLVD #40178 SAN JOSE CA 951171141, 40178, SAN JOSE, CA 95117-1141

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	891 45TH ST, OAKLAND, CA 94608-3411
Document Number	0000035689
Instrument Date	Feb 19, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	891 45TH ST OAKLAND CA 946083411, OAKLAND, CA 94608-3411

Mortgage

Document Number	0000035689
Date	Feb 26, 2019
Instrument	35689

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Oct 12, 2018
Property Address	891 45TH ST, OAKLAND, CA 94608-3411
Document Number	0000198992
Instrument Date	Oct 2, 2018
Instrument	198992
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	891 45TH ST OAKLAND CA 946083411, OAKLAND, CA 94608-3411

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jun 26, 2018
Property Address	891 45TH ST, OAKLAND, CA 94608-3411
Document Number	0000125751
Instrument Date	Jun 18, 2018
Instrument	125751
Transaction Type	Transfer
Record Updated	Jul 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	89145TH ST OAKLAND CA 94608, OAKLAND, CA 94608

Tax Assessment & Valuation

The 2025 property tax bill for 891 45th St was $13,822 with a homeowner's exemption.

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		$946,700 (+1.25%) Land $286,110 Building $667,590
2025	$13,822.00 Homeowner's exemption	$935,000 Land $280,500 Building $654,500
2023	$12,795.00 Homeowner's exemption	$807,844 Land $242,353 Building $565,491	$887,760

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

Flood

FEMA maps place 891 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 891 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 1,062 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Sonic Telecom Fiber	1,000 / 1,000
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Google Fiber, Sail Internet.

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