1038 Saint Raphael Dr, Bay Point (Pittsburg), CA 94565 Property Records

Contra Costa County property record for 1038 Saint Raphael Dr, Bay Point, CA 94565

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,084 sqft · built 1991
Lot Size	0.094 acres (4,090 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (May 2018)
Tax Bill	$7,648 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`098-542-024-9`

Property Details

APN / Parcel Number

Primary APN	`098-542-024-9`
Alternative APN	`098-542-024`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,084 sqft Living Area
1st Floor Area	1,156 sqft
2nd Floor Area	928 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	4,090 sqft (0.094 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1038 SAINT RAPHAEL DR
City	BAY POINT
State	CA
Zip	94565-6756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T7152 L63
Legal Subdivision	SUBDIVISION 7152
Legal Tract	7152
Legal Lot Number	63
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2013
Census Tract	315000

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	Individual Name on Record
Mailing Address	1038 SAINT RAPHAEL DR, BAY POINT, CA 94565-6756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 22, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Deed Document Number	201880430
Last Transfer Date	Jun 10, 2025
Transfer Doc	0000060512
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1038 SAINT RAPHAEL DR, BAY POINT, CA 94565-6756
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 SAINT RAPHAEL DR, BAY POINT, CA 94565-6756

Mortgage

Document Number	0000021633
Date	Feb 3, 2022
Instrument	2022-021633

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 22, 2018
Property Address	1038 SAINT RAPHAEL DR, BAY POINT, CA 94565-6756
Document Number	0000080430
Map Reference	MB 347 PG 5
Instrument Date	May 16, 2018
Instrument	2018-080430
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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	1038 SAINT RAPHAEL DR, BAY POINT, CA 94565-6756

Mortgage

Document Number	0000080431
Date	May 22, 2018
Instrument	2018-080431

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Mortgage

Document Number	0000080432
Date	May 22, 2018
Instrument	2018-080432

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$598,857 (+2%) Land $197,297 Building $401,560
2025	$7,648.00 (+4.48%)	$587,116 (+4.04%) Land $193,429 Building $393,687
2023	$7,320.00 (+0.74%)	$564,319 Land $185,919 Building $378,400
2022	$7,266.00

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

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	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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	GOLDEN STATE WATER COMPANY - BAY POINT private · serves 23,765 people · EPA ID CA0710002
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024–2026) 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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Unwired, Verizon.

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