972 40th St, Oakland (Emeryville), CA 94608 Property Records

Alameda County property record for 972 40th St, Oakland, CA 94608

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,173 sqft · built 1923
Lot Size	0.123 acres (5,376 sqft)
Owner	2 Individual Names on Record
Last Sale	$953,000 (Aug 2021)
Tax Bill	$14,887 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-1021-14`

Property Details

APN / Parcel Number

Primary APN	`12-1021-14`
Alternative APN	`012-1021-014-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,173 sqft Living Area

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1949
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,376 sqft (0.123 acres)

Location & Zoning

Street Address	972 40TH ST
City	EMERYVILLE
State	CA
Zip	94608-3704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 00014 BLK: AR: 0012 PAGE: 1021
Legal Subdivision	MULLIKEN
Legal Lot Number	24&25
Jurisdiction	ALAMEDA CA
Township / Civil Division	OAKLAND
Census Block Group	6
Census Block	6002
Census Tract	401000

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	972 40TH ST, EMERYVILLE, CA 94608-3704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 12, 2021	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jul 27, 2017	Grant Deed, Transfer · Conventional Mortgage RPM MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	Jul 27, 2017 · Amount on Record
Deed Document Number	2021275425
Prior Transfer Date	Dec 29, 2010
Prior Transfer Doc	0000393594
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	972 40TH ST, OAKLAND, CA 94608-3704
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 40TH ST, OAKLAND, CA 94608-3704

Mortgage

Document Number	0000405546
Date	Dec 27, 2021
Instrument	2021405546

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Aug 12, 2021
Property Address	972 40TH ST, OAKLAND, CA 94608-3704
Document Number	0000275425
Map Reference	MB 3 PG 27
Instrument Date	Aug 9, 2021
Instrument	2021275425
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,343.30
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	972 40TH ST, OAKLAND, CA 94608-3704

Mortgage

Document Number	0000275426
Date	Aug 12, 2021
Instrument	2021275426

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALAMEDA CA
Recording Date	Jul 27, 2017
Property Address	972 40TH ST, OAKLAND, CA 94608-3704
Document Number	0000163888
Map Reference	MAP3 PG27
Instrument Date	Jul 19, 2017
Instrument	2017163888
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	972 40TH ST, OAKLAND, CA 94608-3704

Mortgage

Document Number	0000163889
Date	Jul 27, 2017
Instrument	2017163889

Lender

Name	RPM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$865,000 (-14.47%) Land $261,600 Building $610,400
2025	$14,887.00 (-1.57%) Homeowner's exemption	$1,011,323 (+4.04%) Land $303,397 Building $707,926
2023	$15,125.00 Homeowner's exemption	$972,060 Land $291,618 Building $680,442	$944,730

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 1,000 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 · Fiber in parts of the area	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

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

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