1405 Montecito Ln, Pinole, CA 94564 Property Records

Contra Costa County property record for 1405 Montecito Ln, Pinole, CA 94564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,446 sqft · built 1990
Lot Size	0.425 acres (18,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Oct 2005)
Tax Bill	$12,271 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`401-461-063`

Property Details

APN / Parcel Number

Primary APN	`401-461-063`
Alternative APN	`401-461-063-0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,446 sqft Living Area
1st Floor Area	1,354 sqft
2nd Floor Area	1,092 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	18,500 sqft (0.425 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1405 MONTECITO LN
City	PINOLE
State	CA
Zip	94564-2146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 6464 LOT 5 & POR B
Legal Subdivision	SUBDIVISION 6464
Legal Tract	6464
Legal Lot Number	5
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	4
Census Block	4002
Census Tract	359103

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	1405 MONTECITO LN, PINOLE, CA 94564-2146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2020	Deed of Trust, Mortgage · VA Mortgage ARMED FORCES BANK NA
Mar 10, 2021	Deed of Trust, Mortgage · VA Mortgage ARMED FORCES BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2005 · Amount on Record
Deed Sale	Oct 25, 2005 · Amount on Record
Prior Sale	Jun 30, 2000 · Amount on Record
Deed Document Number	2005412765
Prior Transfer Date	Oct 9, 2003
Prior Transfer Doc	0000516244
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1405 MONTECITO LN, PINOLE, CA 94564-2146
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112013
Date	Jun 11, 2020
Instrument	2020-112013

Lender

Name	ARMED FORCES BANK NA
Type	Bank
Address	OVERLAND PARK, KS 66210

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1405 MONTECITO LN, PINOLE, CA 94564-2146
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 MONTECITO LN, PINOLE, CA 94564-2146

Mortgage

Document Number	0000073021
Date	Mar 10, 2021
Instrument	2021-073021

Lender

Name	ARMED FORCES BANK NA
Type	Bank
Address	OVERLAND PARK, KS 66210

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	Pinole City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$854,000 (-) Land $452,118 Building $401,882
2025	$12,271.00 (+3.24%) Homeowner's exemption	$854,000 (+1.91%) Land $452,118 Building $401,882
2023	$11,886.00 (-3.86%) Homeowner's exemption	$838,000 Land $443,647 Building $394,353
2022	$12,363.00

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
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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile, Unwired.

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