Contra Costa County property record for 1287 Waterfall Way, Concord, CA 94521
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,537 sqft · built 1976 |
| Lot Size | 0.188 acres (8,174 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $729,000 (Dec 2016) |
| Tax Bill | $10,270 (2025) |
| Deeds & Mortgages | Mar 2022 Second Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 133-454-002-6 |
| Primary APN | 133-454-002-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,537 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| 2nd Floor Area | 1,263 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cluster |
| Lot Area | 8,174 sqft (0.188 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1287 WATERFALL WAY |
|---|---|
| City | CONCORD |
| State | CA |
| Zip | 94521-3524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | TRACT 4637 LOT 23 EX MR |
| Legal Subdivision | SUBDIVISION 4637 |
| Legal Tract | 4637 |
| Legal Lot Number | 23 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 334007 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1287 WATERFALL WAY, CONCORD, CA 94521-3524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Nov 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Apr 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ARCUS LENDING INC ARCUS LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2016 · Amount on Record |
| Deed Sale | Dec 6, 2016 · Amount on Record |
| Deed Document Number | 2016264123 |
| Prior Transfer Date | Jul 10, 2008 |
| Prior Transfer Doc | 0000241646 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 1287 WATERFALL WAY, CONCORD, CA 94521-3524 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1287 WATERFALL WAY, CONCORD, CA 94521-3524 |
| Document Number | 0000055280 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | 2022-055280 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 1287 WATERFALL WAY, CONCORD, CA 94521-3524 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE SAN JOSE |
| Name | Verified Name |
|---|---|
| Address | 1287 WATERFALL WAY, CONCORD, CA 94521-3524 |
| Document Number | 0000265269 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 2020-265269 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 1287 WATERFALL WAY, CONCORD, CA 94521-3524 |
| Document Number | 0000073828 |
| Instrument Date | Apr 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1287 WATERFALL WAY CONCORD CA 945213524, CONCORD, CA 94521-3524 |
| Document Number | 0000073828 |
|---|---|
| Date | Apr 17, 2020 |
| Instrument | 73828 |
| Name | ARCUS LENDING INC ARCUS LENDING INC |
|---|---|
| Type | Bank |
| Address | SAN JOSE, CA 95128 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2050 |
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Concord City |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $862,981 (+2%) Land $454,575 Building $408,406 | |
| 2025 | $10,270.00 (+4.44%) Homeowner's exemption | $846,061 (+4.04%) Land $445,662 Building $400,399 |
| 2023 | $9,833.00 (+1.25%) Homeowner's exemption | $813,209 Land $428,357 Building $384,852 |
| 2022 | $9,712.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 669 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 |
| AT&T DSL | 100 / 20 |
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