98 Upper Oak Dr, San Rafael, CA 94903 Property Records

Marin County property record for 98 Upper Oak Dr, San Rafael, CA 94903

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,332 sqft · built 1967
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on Record
Last Sale	$1,180,000 (Feb 2020)
Tax Bill	$20,057 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Dec 2017 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`165-112-15`

Property Details

APN / Parcel Number

Primary APN	`165-112-15`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,332 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	7,700 sqft (0.177 acres)
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,020 sqft
Patio Area	1,020 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	98 UPPER OAK DR
City	SAN RAFAEL
State	CA
Zip	94903-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TWELVEOAK HILL 05
Legal Lot Number	178
Jurisdiction	MARIN CA
Township / Civil Division	SAN RAFAEL
Census Block Group	1
Census Block	1000
Census Tract	108100

Owner

Source: Marin County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Dec 11, 2017	Deed of Trust, Mortgage · Line of Credit MARIN COUNTY FCU
Feb 3, 2020	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
May 29, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
May 29, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE COMPANY BERKELEY, OLD REPUBLIC TITLE CO BERKELEY
Aug 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2020 · Amount on Record
Deed Sale	Feb 3, 2020 · Amount on Record
Deed Document Number	20204382
Prior Transfer Date	May 22, 2019
Prior Transfer Doc	0000018246
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732
Transaction Type	Mortgage
Record Updated	May 3, 2023
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732

Mortgage

Document Number	0000009818
Date	Apr 20, 2023
Instrument	2023-0009818

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARIN CA
Property Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049191
Date	Dec 11, 2017
Instrument	2017-0049191

Lender

Name	MARIN COUNTY FCU
Type	Credit Union
Address	SAN RAFAEL, CA 94903

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MARIN CA
Recording Date	Feb 3, 2020
Property Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732
Document Number	0000004382
Instrument Date	Jan 31, 2020
Instrument	4382
Transaction Type	Transfer
Record Updated	Feb 18, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,298.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 UPPER OAK DR SAN RAFAEL CA 949031732, SAN RAFAEL, CA 94903-1732

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARIN CA
Recording Date	May 29, 2019
Property Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732
Document Number	0000018246
Instrument Date	May 21, 2019
Instrument	18246
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	98 UPPER OAK DR SAN RAFAEL CA 949031732, SAN RAFAEL, CA 94903-1732

Mortgage

Document Number	18247
Date	May 29, 2019
Instrument	18247

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARIN CA
Recording Date	May 29, 2019
Property Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732
Document Number	0000018245
Instrument Date	May 21, 2019
Instrument	18245
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	OLD REPUBLIC TITLE COMPANY BERKELEY, OLD REPUBLIC TITLE CO BERKELEY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 UPPER OAK DR SAN RAFAEL CA 949031732, SAN RAFAEL, CA 94903-1732

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARIN CA
Recording Date	Aug 27, 2018
Property Address	98 UPPER OAK DR, SAN RAFAEL, CA 94903-1732
Document Number	0000030244
Instrument Date	Aug 13, 2018
Instrument	30244
Transaction Type	Transfer
Record Updated	Sep 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	182 PIZARRO AVE NOVATO CA 949496149, NOVATO, CA 94949-6149

Tax Assessment & Valuation

Source: Marin County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Marin County
Municipality	San Rafael City
Elementary School District	Dixie Elementary School District (KG - 08)
Secondary School District	San Rafael City High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,518,059 (+2%) Land $669,300 Building $848,759
2025	$20,057.00 (+17.78%) Homeowner's exemption	$1,488,296 (+20.19%) Land $656,178 Building $832,118
2023	$17,029.00 (+4.15%)	$1,238,278 Land $630,702 Building $607,576
2022	$16,350.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 18, 2023 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1984)
Most Recent Claim	Nov 1984 · river or lake flooding

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 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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	MARIN MUNICIPAL WATER DISTRICT serves 188,116 people · EPA ID CA2110002
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2019–2021) 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 206 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Unwired.

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