1302 Waterfall Way, Concord, CA 94521 Property Records

Contra Costa County property record for 1302 Waterfall Way, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,537 sqft · built 1976
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on Record
Last Sale	$852,000 (Jan 2020)
Tax Bill	$11,215 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`133-453-007-6`

Property Details

APN / Parcel Number

Primary APN	`133-453-007-6`
Alternative APN	`133-453-007`

Interior

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

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1988
Architectural Style	Cluster
Lot Area	6,500 sqft (0.149 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1302 WATERFALL WAY
City	CONCORD
State	CA
Zip	94521-3534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	TRACT 4637 LOT 18 EX MR
Legal Subdivision	SUBDIVISION 4637
Legal Tract	4637
Legal Lot Number	18
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3000
Census Tract	334007

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	Individual Name on Record
Mailing Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2019	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAFE CU
Jan 14, 2020	Grant Deed, Transfer · Conventional Mortgage SAFE CU
Jan 14, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Nov 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2020 · Amount on Record
Deed Sale	Jan 14, 2020 · Amount on Record
Prior Sale	Aug 16, 1996 · Amount on Record
Deed Document Number	20207187
Prior Transfer Date	Jan 6, 2020
Prior Transfer Doc	0000007186
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000122464
Date	Aug 5, 2019
Instrument	2019-122464

Lender

Name	PATELCO CU
Type	Mortgage Company
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 30, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534

Mortgage

Document Number	0000222895
Date	Aug 10, 2021
Instrument	2021-222895

Lender

Name	SAFE CU
Type	Credit Union
Address	FOLSOM, CA 95630

Agreement

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

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 14, 2020
Property Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534
Document Number	0000007187
Map Reference	MB 186 PG 48
Instrument Date	Jan 8, 2020
Instrument	2020-007187
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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
Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534

Mortgage

Document Number	0000007188
Date	Jan 14, 2020
Instrument	2020-007188

Lender

Name	SAFE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 14, 2020
Property Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534
Document Number	0000007186
Instrument Date	Jan 6, 2020
Instrument	7186
Transaction Type	Transfer
Record Updated	Jan 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1302 WATERFALL WAY CONCORD CA 945213534, CONCORD, CA 94521-3534

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1302 WATERFALL WAY, CONCORD, CA 94521-3534
Document Number	0000222565
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1302 WATERFALL WAY CONCORD CA 945213534, CONCORD, CA 94521-3534

Mortgage

Document Number	0000222565
Date	Nov 28, 2017
Instrument	222565

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

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		$950,415 (+2%) Land $479,670 Building $470,745
2025	$11,215.00 (+4.38%) Homeowner's exemption	$931,780 (+4.04%) Land $470,265 Building $461,515
2023	$10,744.00 (+1.22%) Homeowner's exemption	$895,600 Land $452,005 Building $443,595
2022	$10,615.00

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
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.

Wildfire

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% 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 502 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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