1096 Gardenia Loop, Hercules, CA 94547 Property Records

Contra Costa County property record for 1096 Gardenia Loop, Hercules, CA 94547

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,803 sqft · built 2015
Lot Size	0.116 acres (5,055 sqft)
Owner	2 Individuals on Record
Last Sale	$697,500 (Dec 2015)
Tax Bill	$12,898 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`404-740-012-4`

Property Details

APN / Parcel Number

Primary APN	`404-740-012-4`
Alternative APN	`404-740-012`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,803 sqft Living Area
1st Floor Area	1,227 sqft
2nd Floor Area	1,576 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Cluster
Lot Area	5,055 sqft (0.116 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1096 GARDENIA LOOP
City	HERCULES
State	CA
Zip	94547-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9362 L12
Legal Subdivision	TRACT NO 9362
Legal Tract	9362
Legal Lot Number	12
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2000
Census Tract	392300

Owner

Source: Contra Costa County assessment roll, 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	2 Individuals on Record
Mailing Address	1096 GARDENIA LOOP, HERCULES, CA 94547-2621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2015 · Amount on Record
Deed Sale	Dec 31, 2015 · Amount on Record
Deed Document Number	2015268607
Last Transfer Date	Mar 18, 2016
Transfer Doc	0000050703
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 6, 2026
Property Address	1096 GARDENIA LOOP, HERCULES, CA 94547-2621
Document Number	0000082435
Instrument Date	Jul 16, 2026
Instrument	202682435
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 GARDENIA LOOP, HERCULES, CA 94547-2621

Mortgage

Document Number	0000082435,
Date	Aug 6, 2026
Instrument	202682435

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2056

Interest

Rate	6.47%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1096 GARDENIA LOOP, HERCULES, CA 94547-2621
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 GARDENIA LOOP, HERCULES, CA 94547-2621

Mortgage

Document Number	0000213964
Date	Jul 30, 2021
Instrument	2021-213964

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	May 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$841,599 (+2%) Land $259,602 Building $581,997
2025	$12,898.00 (+5.92%) Homeowner's exemption	$825,098 (+4.04%) Land $254,512 Building $570,586
2023	$12,177.00 (+1.37%) Homeowner's exemption	$793,061 Land $244,630 Building $548,431
2022	$12,013.00

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 204 locations within half a mile, as of December 31, 2025

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

May also be available: Unwired, Verizon.

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