Oakland 94609 · Mosswood · APN 12-944-56 · Oakland
Since — within ½ mile: 14 homes completed, 56 permitted, 162 proposed or in review (125 of them deed-restricted affordable).
17 projects with a record in this window, grouped by us from permits and State housing reports. Units are as proposed on each project's latest record and counted at its current stage.
No permit activity recorded within ½ mile.
$1,117,000
Benchmark range: $983,000 – $1,251,000
Public-records benchmark estimate combining Zillow Home Value Index (Data provided by Zillow), Census ACS 5-year estimates, parcel land-use/lot characteristics, and issued building permits. Not an official appraisal.
We don't have building permits for Oakland, so we can't show what has been permitted nearby.
Permit counts, by the date issued (or applied, if not yet issued). Lot splits are planning cases, which we don't have.
We read public zoning and hazard maps against state law (ADUs: Gov. Code 66314; SB 9: Gov. Code 65852.21 and 66411.7). Local rules, title, tenancy history and site conditions can change the answer. Check with Oakland's planning department before relying on it.
Sources: City of Oakland Planning & Building, Zoning (base zones, effective 2024-12-17) (retrieved Oct 26, 2026) · CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones in the State Responsibility Area (effective 2024-04-01) (retrieved Oct 26, 2026) · CAL FIRE Office of the State Fire Marshal, Fire Hazard Severity Zones in the Local Responsibility Area (map dated 2025-03-24) (retrieved Oct 26, 2026) · FEMA, National Flood Hazard Layer — flood hazard zones (retrieved Oct 26, 2026) · FEMA, National Flood Hazard Layer — FIRM panels (retrieved Oct 26, 2026) · California Geological Survey, Alquist-Priolo Earthquake Fault Zones (retrieved Oct 26, 2026) · Zoning classes: our classification of RM-3 as multifamily residential, from the code's name only
Chronological history of building permit applications and issuances, snapshot-dated status changes, State housing entitlements, surrounding development within ½ mile, and area home-value trends.
In "Entitled" for 3.6 yr (since Mar 17, 2023), with no new permit record in 3.6 yr. · 1 unit
In "Entitled" for 4.2 yr (since Aug 1, 2022), with no new permit record in 4.2 yr. · 1 unit
Permit issued and active for 4.2 yr (first record Aug 26, 2022), with no completion or new permit record in 4.2 yr. · 1 unit
In "Entitled" for 4 yr (since Nov 10, 2022), with no new permit record in 4 yr. · 1 unit
In "Entitled" for 3.8 yr (since Jan 6, 2023), with no new permit record in 3.8 yr. · 1 unit
Permit issued and active for 3.6 yr (first record Mar 16, 2023), with no completion or new permit record in 3.6 yr. · 1 unit
Latest published Zillow Home Value Index (ZHVI) update
Changed from $909,324 in September 2025 to $968,042 in September 2026.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94609 (not a parcel appraisal)
1 unit
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
Annual ZIP 94609 home-value index checkpoint
Changed from $1,060,296 in September 2024 to $909,324 in September 2025.
Source: Zillow Home Value Index (ZHVI) · Data provided by Zillow · Geography: ZIP 94609 (not a parcel appraisal)
49 units · 48 affordable
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
1 unit
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
9 units
Records span Nov 14, 2024 to Jun 2, 2025 (0 permits).
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
1 unit
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
2 units
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
105 units · 29 affordable
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
49 units · 48 affordable
Source: Alameda County building permits & HCD APR (grouped project within ½ mile)
Cross-referenced intelligence from our historical development graph—connecting parcels, permits, entity-resolved builders, empirical review-time distributions, and neighborhood renovation trends.
Explore full Oakland development graph →Active in "Entitled" for 3.6 yr (first record Mar 17, 2023) with no new permit activity recorded in 3.6 yr.
Active in "Issued" for 15 mo (first record Aug 5, 2025) with no new permit activity recorded in 15 mo. High-impact scale (49 housing units, 48 deed-restricted affordable across 0 permits).
Active in "Entitled" for 23 mo (first record Nov 14, 2024) with no new permit activity recorded in 23 mo. High-impact scale (49 housing units, 48 deed-restricted affordable across 0 permits).
Active in "Entitled" for 20 mo (first record Feb 19, 2025) with no new permit activity recorded in 20 mo. High-impact scale (105 housing units, 29 deed-restricted affordable across 0 permits).
Active in "Entitled" for 3 yr (first record Nov 15, 2023) with no new permit activity recorded in 3 yr. High-impact scale (93 housing units, 24 deed-restricted affordable across 0 permits).
Active in "Issued" for 2.5 yr (first record May 16, 2024) with no new permit activity recorded in 2.5 yr. High-impact scale (77 housing units, 76 deed-restricted affordable across 0 permits).
HUD Small Area Fair Market Rent · ZIP 94609
HUD FY 2026 · 40th-percentile gross rentCensus ACS 5-year median gross rent (all bedroom counts combined):
Area home-value benchmarks (not an appraisal)
ZIP & neighborhood mediansUnder California Proposition 13, the seller's historical assessed value does not carry over to a buyer. On sale, the parcel is reassessed at the purchase price: 1.00% base rate ($11,150/yr) + local voter-approved bond debt ($2,453/yr) + fixed direct levies/Mello-Roos ($450/yr).
Insurance & hazard context:
−$55,593/yr
Cash needed: $245,300
NOI: $12,063/yr
P&I: $5,638/mo
For $0/mo net cash flow
At $3,025/mo rent
| Scenario | Assumptions | Year 1 Rent | Year 1 Cash Flow | Cash-on-Cash | Break-Even Rent | Year 5 Cash Flow |
|---|---|---|---|---|---|---|
| Conservative | −8% starting rent, +3% vacancy, +3% combined maintenance/CapEx, 1.5%/yr rent growth | $2,783/mo | −$4,980/mo | -24.4% | $9,735/mo | −$4,969/mo |
| Base (your inputs) | Your entered assumptions, 3.0%/yr rent growth | $3,025/mo | −$4,633/mo | -22.7% | $9,011/mo | −$4,449/mo |
| Optimistic (cap-limited) | +6% starting rent, 3% vacancy, 3.0%/yr rent growth (capped by local ordinance ceiling of 3.0%/yr) | $3,207/mo | −$4,433/mo | -21.7% | $8,801/mo | −$4,225/mo |
Rental regulatory context (informational only — not legal advice):
California AB 1482 (Tenant Protection Act, Civ. Code § 1947.12) caps annual rent increases at 5% + local CPI (max 10%) on covered properties. In Oakland: Oakland Rent Adjustment Program (OMC Ch. 8.22) — annual CPI adjustment (60% of CPI, capped at 3.0%) for covered pre-1983 multifamily units. Official program rules ↗
Entitled1 unitsMar 17, 2023 – Mar 17, 2023
We group related permits and State housing reports into projects. That grouping is our inference, not an official record.
No building permits are recorded for this parcel since 2016.
| Report year | Project / record | Type | Entitled | Permitted | Completed | Deed-restricted |
|---|---|---|---|---|---|---|
| 2023 | CAT 2 ADU, MFD, D(DRX230336) | ADU · Renter | 1 (Mar 17, 2023) | — | — | — |
Source: California HCD, Housing Element Annual Progress Report — Table A2 · Geography: project (parcel) · Retrieved Oct 26, 2026 · From Oakland's Housing Element Annual Progress Reports. A project can appear in several report years as it moves from entitlement to permit to completion.
Source: City of Oakland Planning & Building, Zoning (base zones, effective 2024-12-17) · Geography: zoning district polygon at parcel point · Retrieved Oct 26, 2026
0.08 acres
Assessor's classification for assessment purposes. This is not zoning.
403 37TH ST
Source: Alameda County Assessor / Information Technology Department, Parcel Boundaries · Geography: parcel · Retrieved Oct 26, 2026
Look up assessed values and parcel maps by parcel number 12-944-56. Assessed value is not market value.
Search by parcel number 12-944-56 (Alameda County Treasurer-Tax Collector)
The official flood hazard map for this location. Our reading of it is under What could be built here.
This site does not show owner names.