1003 Cottage Ln, Hercules, CA 94547 Property Records

Contra Costa County property record for 1003 Cottage Ln, Hercules, CA 94547

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,830 sqft · built 2003
Lot Size	0.075 acres (3,245 sqft)
Owner	2 Individual Names on Record
Last Sale	$835,000 (Dec 2024)
Tax Bill	$12,451 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`404-630-033-3`

Property Details

APN / Parcel Number

Primary APN	`404-630-033-3`
Alternative APN	`404-630-033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,830 sqft Living Area
1st Floor Area	906 sqft
2nd Floor Area	924 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	3,245 sqft (0.075 acres)
Garage Type	Attached
Garage Area	417 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1003 COTTAGE LN
City	HERCULES
State	CA
Zip	94547-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8511 L33
Legal Subdivision	SUBDIVISION 8511
Legal Tract	8511
Legal Lot Number	33
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1009
Census Tract	359105

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	2 Individual Names on Record
Mailing Address	1003 COTTAGE LN, HERCULES, CA 94547-2701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Oct 16, 2018	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
May 22, 2017	Grant Deed, Transfer · Conventional Mortgage RPM MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2024 · Amount on Record
Deed Sale	Dec 4, 2024 · Amount on Record
Prior Sale	Oct 16, 2018 · Amount on Record
Deed Document Number	2024130212
Prior Transfer Date	Apr 9, 2007
Prior Transfer Doc	0000272765
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1003 COTTAGE LN, HERCULES, CA 94547-2701
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111027
Date	Jul 17, 2019
Instrument	2019-111027

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 16, 2018
Property Address	1003 COTTAGE LN, HERCULES, CA 94547-2701
Document Number	0000163908
Instrument Date	Oct 11, 2018
Instrument	163908
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$742.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2325 WEBSTER ST #B BERKELEY CA 947051970, B, BERKELEY, CA 94705-1970

Mortgage

Document Number	163909
Date	Oct 16, 2018
Instrument	163909

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 22, 2017
Property Address	1003 COTTAGE LN, HERCULES, CA 94547-2701
Document Number	0000088349
Map Reference	MB452 PG35
Instrument Date	May 17, 2017
Instrument	2017-088349
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC 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	Joint Tenants
Address	1003 COTTAGE LN, HERCULES, CA 94547-2701

Mortgage

Document Number	0000088350
Date	May 22, 2017
Instrument	2017-088350

Lender

Name	RPM MORTGAGE INC
Type	Mortgage Company

Agreement

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

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	Hercules City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$851,700 (+2%) Land $428,400 Building $423,300
2025	$12,451.00 (+15.38%)	$835,000 (+15.37%) Land $420,000 Building $415,000
2023	$10,791.00 (+1.1%)	$723,734 Land $305,576 Building $418,158
2022	$10,674.00

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
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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 585 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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