109 Sand Pointe Ln, Bay Point (Pittsburg), CA 94565 Property Records

Contra Costa County property record for 109 Sand Pointe Ln, Bay Point, CA 94565

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,162 sqft · built 1988
Lot Size	0.117 acres (5,100 sqft)
Owner	2 Trust Names on File
Last Sale	$365,000 (Feb 2017)
Tax Bill	$5,732 (2025)
Deeds & Mortgages	Aug 2026 Sale Mar 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`098-520-001-3`

Property Details

APN / Parcel Number

Primary APN	`098-520-001-3`
Alternative APN	`098-520-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,162 sqft Living Area
1st Floor Area	1,162 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cluster
Lot Area	5,100 sqft (0.117 acres)
Garage Type	Attached
Garage Area	412 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	109 SAND POINTE LN
City	BAY POINT
State	CA
Zip	94565-6724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T6484 L1
Legal Subdivision	SUBDIVISION 6484
Legal Tract	6484
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2011
Census Tract	315000

Owner

109 Sand Pointe Ln is owner-occupied and held in a trust since August 2026.

Source: Contra Costa County records, as of August 13, 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 Trust Names on File
Mailing Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Grant Deed, Transfer SIMPLE TITLE, SIMPLIFILE
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Nov 10, 2020	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 23, 2017	Grant Deed, Transfer · FHA Mortgage RPM MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2017 · Amount on File
Deed Sale	Feb 23, 2017 · Amount on File
Prior Sale	Feb 3, 2012 · Amount on File
Deed Document Number	201733769
Last Transfer Date	Aug 5, 2026
Transfer Doc	0000082427
Record Updated	Sep 20, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 6, 2026
Property Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724
Document Number	0000082427
Instrument Date	Aug 5, 2026
Instrument	202682427
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724

Mortgage

Document Number	0000028111
Date	Mar 23, 2026
Instrument	2026- 028111

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	7940 JONES BRANCH DR, TYSONS, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724

Mortgage

Document Number	0000268707
Date	Nov 10, 2020
Instrument	2020-268707

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Mar 1, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 23, 2017
Property Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724
Document Number	0000033769
Map Reference	MB307 PG15
Instrument Date	Feb 17, 2017
Instrument	2017-033769
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	109 SAND POINTE LN, BAY POINT, CA 94565-6724

Mortgage

Document Number	0000033770
Date	Feb 23, 2017
Instrument	2017-033770

Lender

Name	RPM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 Sand Pointe Ln was $5,732 with a homeowner's exemption.

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		$442,015 (+2%) Land $206,687 Building $235,328
2025	$5,732.00	$433,349 Land $202,635 Building $230,714
2023	$5,466.00 (+0.76%) Homeowner's exemption	$416,523 Land $194,767 Building $221,756
2022	$5,425.00

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

Flood

FEMA maps place 109 Sand Pointe Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 109 Sand Pointe Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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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