104 Spears Cir, Richmond, CA 94801 Property Records

Contra Costa County property record for 104 Spears Cir, Richmond, CA 94801

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,401 sqft · built 2007
Lot Size	0.06 acres (2,600 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Apr 2014)
Tax Bill	$7,970 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`408-250-026-7`

Property Details

APN / Parcel Number

Primary APN	`408-250-026-7`
Alternative APN	`408-250-026`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,401 sqft Living Area
1st Floor Area	1,047 sqft
2nd Floor Area	1,354 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	2,600 sqft (0.06 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	104 SPEARS CIR
City	RICHMOND
State	CA
Zip	94801-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T8755 L107
Legal Subdivision	SUBDIVISION 8755
Legal Tract	8755
Legal Lot Number	107
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1004
Census Tract	365002

Owner

Source: Contra Costa County records · APN 408-250-026-7

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	104 SPEARS CIR, RICHMOND, CA 94801-1728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 17, 2014 · Amount on Record
Deed Sale	Apr 17, 2014 · Amount on Record
Prior Sale	Apr 16, 2012 · Amount on Record
Deed Document Number	201459143
Prior Transfer Date	Mar 28, 2012
Prior Transfer Doc	0000086399
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	104 SPEARS CIR, RICHMOND, CA 94801-1728
Transaction Type	Mortgage
Record Updated	Nov 03, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPEARS CIR, RICHMOND, CA 94801-1728

Mortgage

Document Number	0000185401
Date	Aug 27, 2020
Instrument	2020-185401

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2040

Tax Assessment & Valuation

Source: Contra Costa County records · Assessment roll updated July 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$462,626 (+2%) Land $75,015 Building $387,611
2025	$7,970.00 (+4.44%) Homeowner's exemption	$453,556 (+4.04%) Land $73,545 Building $380,011
2023	$7,631.00 (+1.54%) Homeowner's exemption	$435,945 Land $70,690 Building $365,255
2022	$7,515.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Contra Costa County (06013C), as of October 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060133650021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	6 (1982–2000)
Most Recent Claim	Feb 2000 · river or lake flooding
Claims by Event	Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25

May also be available: Etheric Communications, LLC., T-Mobile USA, Verizon.

Based on FCC filings for 692 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CA0110005, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	EAST BAY MUD serves 1,468,000 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.