1089 McLaughlin St, Richmond, CA 94805 Property Records

Contra Costa County property record for 1089 McLaughlin St, Richmond, CA 94805

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 994 sqft · built 1942
Lot Size	0.082 acres (3,589 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Mar 2017)
Tax Bill	$4,718 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`523-011-007-3`

Property Details

APN / Parcel Number

Primary APN	`523-011-007-3`
Alternative APN	`523-011-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	994 sqft Living Area
1st Floor Area	994 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1965
Lot Area	3,589 sqft (0.082 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1089 MCLAUGHLIN ST
City	RICHMOND
State	CA
Zip	94805-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST RICHMOND BLVD POR LOT 27 BLK 9
Legal Subdivision	EAST RICHMOND BLVD
Legal Block	9
Legal Lot Number	27
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1003
Census Tract	371000

Owner

1089 McLaughlin St is owned and occupied by two individuals who bought it in March 2017.

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1089 MCLAUGHLIN ST, RICHMOND, CA 94805-1043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 9, 2018	Deed of Trust, Mortgage MICHIGAN MUTUAL
Mar 24, 2017	Grant Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2017 · Amount on File
Deed Sale	Mar 24, 2017 · Amount on File
Prior Sale	Jul 30, 2014 · Amount on File
Deed Document Number	201751642
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1089 MCLAUGHLIN ST, RICHMOND, CA 94805-1043
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	LANDSAFE TITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 MCLAUGHLIN ST, RICHMOND, CA 94805-1043

Mortgage

Document Number	0000309390
Date	Nov 5, 2021
Instrument	2021-309390

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1089 MCLAUGHLIN ST, RICHMOND, CA 94805-1043
Document Number	0000039361
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1089 MCLAUGHLIN ST RICHMOND CA 948051043, RICHMOND, CA 94805-1043

Mortgage

Document Number	0000039361
Date	Mar 14, 2018
Instrument	39361

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2048

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 24, 2017
Property Address	1089 MCLAUGHLIN ST, RICHMOND, CA 94805-1043
Document Number	0000051642
Instrument Date	Mar 20, 2017
Instrument	51642
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1089 MCLAUGHLIN ST RICHMOND CA 948051043, RICHMOND, CA 94805-1043

Mortgage

Document Number	51643
Date	Mar 24, 2017
Instrument	51643

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1089 McLaughlin St was $4,718.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$248,591 (+2%) Land $147,972 Building $100,619
2025	$4,718.00	$243,718 Land $145,071 Building $98,647
2023	$4,574.00 (+2.46%)	$234,256 Land $139,439 Building $94,817
2022	$4,464.00

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

Flood

FEMA maps place 1089 McLaughlin St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 10 (0% premium discount)
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

Wildfire risk around 1089 McLaughlin St is low, with a 0.01% annual chance of 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 686 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks, Verizon.

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