1197 Charles Ct, Concord, CA 94520 Property Records

Contra Costa County property record for 1197 Charles Ct, Concord, CA 94520

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,268 sqft · built 1953
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Sep 2021)
Tax Bill	$8,164 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`128-181-017-4`

Property Details

APN / Parcel Number

Primary APN	`128-181-017-4`
Alternative APN	`128-181-017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1968
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1197 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 35
Legal Subdivision	PARKHAVEN ESTATES
Legal Lot Number	35
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	1197 CHARLES CT, CONCORD, CA 94520-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Sep 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 30, 2021	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 30, 2018	Quit Claim Deed, Transfer · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Apr 30, 2018
Deed Document Number	2021270490
Prior Transfer Date	Apr 11, 2018
Prior Transfer Doc	0000067125
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1197 CHARLES CT, CONCORD, CA 94520-3603
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1197 CHARLES CT, CONCORD, CA 94520-3603

Mortgage

Document Number	0000270712
Date	Nov 12, 2020
Instrument	2020-270712

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1197 CHARLES CT, CONCORD, CA 94520-3603
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155006
Date	Sep 18, 2019
Instrument	2019-155006

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 30, 2021
Property Address	1197 CHARLES CT, CONCORD, CA 94520-3603
Document Number	0000270490
Map Reference	MB 48 PG 18
Instrument Date	Sep 24, 2021
Instrument	2021-270490
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	1197 CHARLES CT, CONCORD, CA 94520-3603

Mortgage

Document Number	0000270491
Date	Sep 30, 2021
Instrument	2021-270491

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 30, 2018
Property Address	1197 CHARLES CT, CONCORD, CA 94520-3603
Document Number	0000067125
Instrument Date	Apr 11, 2018
Instrument	67125
Transaction Type	Transfer
Record Updated	May 7, 2018
Title Company	WORLDWIDE RECORDING INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1197 CHARLES CT CONCORD CA 945203603, CONCORD, CA 94520-3603

Mortgage

Document Number	67126
Date	Apr 30, 2018
Instrument	67126

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2048

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		$625,000 (-3.55%) Land $449,811 Building $175,189
2025	$8,164.00 (+11.48%)	$648,000 (+11.92%) Land $466,364 Building $181,636
2023	$7,323.00 (-11.32%)	$579,000 Land $417,000 Building $162,000
2022	$8,258.00

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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