130 Cottage Ln, Walnut Creek, CA 94595 Property Records

Contra Costa County property record for 130 Cottage Ln, Walnut Creek, CA 94595

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,036 sqft · built 1985
Lot Size	0.216 acres (9,400 sqft)
Owner	2 Individual Names on File
Last Sale	$1,399,000 (Nov 2022)
Tax Bill	$17,118 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`184-162-024-6`

Property Details

APN / Parcel Number

Primary APN	`184-162-024-6`
Alternative APN	`184-162-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,036 sqft Living Area
1st Floor Area	2,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Wood Shingle
Lot Area	9,400 sqft (0.216 acres)
Garage Type	Attached
Garage Area	519 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	130 COTTAGE LN
City	WALNUT CREEK
State	CA
Zip	94595-1361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	PCL MAP 103 PG 39 PCL B
Legal Tract	103PM39
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1012
Census Tract	341000

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 Individual Names on File
Mailing Address	130 COTTAGE LN, WALNUT CREEK, CA 94595-1361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Aug 27, 2010 · Amount on Record
Deed Document Number	2022174943
Prior Transfer Date	Jan 8, 2010
Prior Transfer Doc	0000013791
Record Updated	Sep 20, 2026

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 17, 2022
Property Address	130 COTTAGE LN, WALNUT CREEK, CA 94595-1361
Document Number	0000174943
Map Reference	MB 103 PG 39
Instrument Date	Nov 7, 2022
Instrument	2022-174943
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	130 COTTAGE LN, WALNUT CREEK, CA 94595-1361

Mortgage

Document Number	0000174944
Date	Nov 17, 2022
Instrument	2022-174944

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Walnut Creek Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,484,628 (+2%) Land $1,028,309 Building $456,319
2025	$17,118.00 (+3.83%)	$1,455,519 (+4.04%) Land $1,008,147 Building $447,372
2023	$16,487.00 (+58.77%)	$1,399,000 Land $969,000 Building $430,000
2022	$10,384.00

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 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1993–1999)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 1999 · river or lake flooding

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 480 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Etheric Communications, LLC..

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