1109 Victory Ln, Concord, CA 94520 Property Records

Contra Costa County property record for 1109 Victory Ln, Concord, CA 94520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,122 sqft · built 1956
Lot Size	0.133 acres (5,775 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,500 (Jan 1998)
Tax Bill	$3,144 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128-252-042-6`

Property Details

APN / Parcel Number

Primary APN	`128-252-042-6`
Alternative APN	`128-252-042`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	5,775 sqft (0.133 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1109 VICTORY LN
City	CONCORD
State	CA
Zip	94520-4312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	TRACT 2164 LOT 2
Legal Subdivision	TRACT NO 2164
Legal Tract	2164
Legal Lot Number	2
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1003
Census Tract	336202

Owner

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 Record
Mailing Address	1109 VICTORY LN, CONCORD, CA 94520-4312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2018	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 1998 · Amount on Record
Deed Sale	Jan 5, 1998 · Amount on Record
Deed Document Number	1998903
Prior Transfer Date	Oct 31, 1997
Prior Transfer Doc	0000000904
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1109 VICTORY LN, CONCORD, CA 94520-4312
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000192661
Date	Nov 30, 2018
Instrument	2018-192661

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.87%
Index	1-Year LIBOR
Max Rate	9.87%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1109 VICTORY LN, CONCORD, CA 94520-4312
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 VICTORY LN, CONCORD, CA 94520-4312

Mortgage

Document Number	0000310313
Date	Dec 11, 2020
Instrument	2020-310313

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	Concord City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$204,207 (+2%) Land $113,992 Building $90,215
2025	$3,144.00 (+5.89%) Homeowner's exemption	$200,204 (+4.04%) Land $111,757 Building $88,447
2023	$2,969.00 (+2.13%) Homeowner's exemption	$192,431 Land $107,418 Building $85,013
2022	$2,907.00

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 98% of the US · lower than 98.4% 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	CONTRA COSTA WATER DISTRICT serves 210,500 people · EPA ID CA0710003
Water Source	Surface water
Last State Inspection	Jan 2022
Lead	Under 1 ppb (2026–2028) 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 681 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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