1196 Charles Ct, Concord, CA 94520 Property Records

Contra Costa County property record for 1196 Charles Ct, Concord, CA 94520

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,540 sqft · built 1953
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,363 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128-181-022-4`

Property Details

APN / Parcel Number

Primary APN	`128-181-022-4`
Alternative APN	`128-181-022`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1956
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	8,800 sqft (0.202 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1196 CHARLES CT
City	CONCORD
State	CA
Zip	94520-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PARKHAVEN ESTATES LOT 40
Legal Subdivision	PARKHAVEN ESTATES
Legal Lot Number	40
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1001
Census Tract	336103

Owner

Source: Contra Costa County records, 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 Individual Names on Record
Mailing Address	1196 CHARLES CT, CONCORD, CA 94520-3603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Oct 2, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1196 CHARLES CT, CONCORD, CA 94520-3603
Document Number	0000191848
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1196 CHARLES CT CONCORD CA 945203603, CONCORD, CA 94520-3603

Mortgage

Document Number	0000191848
Date	Oct 19, 2017
Instrument	191848

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.7%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1196 CHARLES CT, CONCORD, CA 94520-3603
Document Number	0000191849
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1196 CHARLES CT CONCORD CA 945203603, CONCORD, CA 94520-3603

Mortgage

Document Number	0000191849
Date	Oct 19, 2017
Instrument	191849

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.7%

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		$138,118 (+2%) Land $79,479 Building $58,639
2025	$2,363.00 (+6.73%) Homeowner's exemption	$135,411 (+4.04%) Land $77,921 Building $57,490
2023	$2,214.00 (+2.64%) Homeowner's exemption	$130,155 Land $74,897 Building $55,258
2022	$2,157.00

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 · 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 7 (15% 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

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

Wildfire Risk	Not rated no burnable land within 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 609 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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