945 Oak St, Clayton, CA 94517 Property Records

Contra Costa County property record for 945 Oak St, Clayton, CA 94517

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,929 sqft · built 1977
Lot Size	1.41 acres (61,855 sqft)
Owner	Company Name on Record
Tax Bill	$6,580 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`119-040-036-4`

Property Details

APN / Parcel Number

Primary APN	`119-040-036-4`
Alternative APN	`119-040-036`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,929 sqft Living Area
1st Floor Area	2,405 sqft
2nd Floor Area	524 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1990
Lot Area	61,855 sqft
Garage Type	Attached
Garage Area	654 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	945 OAK ST
City	CLAYTON
State	CA
Zip	94517-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T180PM30 PCL A
Legal Subdivision	PARCEL MAPS 809-98
Legal Tract	180PM30
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2009
Census Tract	355306

Owner

Source: Contra Costa County records, as of July 14, 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	PO BOX 446, CLAYTON, CA 94517-0446
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 8, 2019	Deed of Trust, Mortgage QUICKEN LNS
Dec 21, 2017	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 25, 2017
Transfer Doc	0000239791
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	945 OAK ST, CLAYTON, CA 94517-1313
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 OAK ST, CLAYTON, CA 94517-1313

Mortgage

Document Number	0000225736
Date	Aug 13, 2021
Instrument	2021-225736

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.75%
Type Change Date	Aug 1, 2026
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	3.75%
Index	Other
Margin	3
Max Rate	6.75%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	945 OAK ST, CLAYTON, CA 94517-1313
Document Number	0000078231
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 OAK ST CLAYTON CA 945171313, CLAYTON, CA 94517-1313

Mortgage

Document Number	0000078231
Date	Apr 24, 2020
Instrument	78231

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.55%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	945 OAK ST, CLAYTON, CA 94517-1313
Document Number	0000129273
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	945 OAK ST CLAYTON CA 945171313, CLAYTON, CA 94517-1313

Mortgage

Document Number	0000129273
Date	Aug 14, 2019
Instrument	129273

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.4%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 21, 2017
Property Address	945 OAK ST, CLAYTON, CA 94517-1313
Document Number	0000239791
Instrument Date	Nov 25, 2017
Instrument	239791
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	TSI TITLE COMPANY/CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	945 OAK ST CLAYTON CA 945171313, CLAYTON, CA 94517-1313

Mortgage

Document Number	239792
Date	Dec 21, 2017
Instrument	239792

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.2%

Mortgage

Document Number	239793,
Date	Dec 21, 2017
Instrument	239793

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Clayton City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$379,820 (+2%) Land $33,666 Building $346,154
2025	$6,580.00 (+3.2%) Homeowner's exemption	$372,373 (+4.04%) Land $33,006 Building $339,367
2023	$6,376.00 (+0.95%) Homeowner's exemption	$357,915 Land $31,725 Building $326,190
2022	$6,316.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	Moderate above 60% of the US · lower than 64% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CONTRA COSTA WATER DISTRICT serves 210,500 people · EPA ID CA0710003
Water Source	Surface water
Last State Inspection	Jan 2022
Lead	Under 1 ppb (2026–2028) 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 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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