1040 Laurel Tree Dr, Concord, CA 94521 Property Records

Contra Costa County property record for 1040 Laurel Tree Dr, Concord, CA 94521 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,584 sqft · built 2001
Lot Size	0.205 acres (8,929 sqft)
Owner	2 Individual Names on File
Last Sale	$391,000 (Feb 2020)
Tax Bill	$10,712 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`121-380-017-8`

Property Details

APN / Parcel Number

Primary APN	`121-380-017-8`
Alternative APN	`121-380-017`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,584 sqft Living Area
1st Floor Area	1,773 sqft
2nd Floor Area	1,811 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Architectural Style	Cluster
Lot Area	8,929 sqft (0.205 acres)
Garage Type	Attached
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1040 LAUREL TREE DR
City	CONCORD
State	CA
Zip	94521-5448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8094 L287
Legal Subdivision	SUBDIVISION 8094
Legal Tract	8094
Legal Lot Number	287
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2001
Census Tract	355309

Owner

Source: Contra Costa County records · APN 121-380-017-8

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	2 Individual Names on File
Mailing Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY PRIVATE BANK NATIONAL ASS
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 17, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Feb 26, 2020	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2020 · Amount on Record
Deed Sale	Feb 26, 2020 · Amount on Record
Prior Sale	Nov 17, 2011 · Amount on Record
Deed Document Number	202035640
Prior Transfer Date	Nov 15, 2011
Prior Transfer Doc	0000249943
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448

Mortgage

Document Number	0000122981
Date	Oct 31, 2025
Instrument	2025- 122981

Lender

Name	MORGAN STANLEY PRIVATE BANK NATIONAL ASS
Address	4270 IVY POINTE BLVD STE 400, CINCINNATI, OH 45245

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 01, 2050

Interest

Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448
Transaction Type	Mortgage
Record Updated	Nov 03, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448

Mortgage

Document Number	0000156015
Date	May 26, 2021
Instrument	2021-156015

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448
Transaction Type	Mortgage
Record Updated	Nov 03, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448

Mortgage

Document Number	0000207435
Date	Sep 17, 2020
Instrument	2020-207435

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 26, 2020
Property Address	1040 LAUREL TREE DR, CONCORD, CA 94521-5448
Document Number	0000035640
Instrument Date	Feb 20, 2020
Instrument	35640
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	TITLE CONNECT LLC

Transaction

Amount	Amount Recorded
Tax	$430.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1040 LAUREL TREE DR CONCORD CA 945215448, CONCORD, CA 94521-5448

Mortgage

Document Number	35641
Date	Feb 26, 2020
Instrument	35641

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

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
Municipality	Concord City
Unified School District	Mount Diablo 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		$896,811 (+2%) Land $333,100 Building $563,711
2025	$10,712.00 (+4.37%)	$879,227 (+4.04%) Land $326,569 Building $552,658
2023	$10,263.00 (+1.23%)	$845,088 Land $313,889 Building $531,199
2022	$10,138.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Contra Costa County (06013C), updated October 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060133553092, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 43% of California
Wildfire Likelihood	About 1 in 268 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, availability as of December 31, 2025 · Published October 2026 · based on 207 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Unwired. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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