1601 Lower Trail Rd, Clayton, CA 94517 Property Records

Contra Costa County property record for 1601 Lower Trail Rd, Clayton, CA 94517

Property Summary

Property Type	Rural Home
Lot Size	1.42 acres (62,290 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Mar 2020)
Tax Bill	$2,080 (2025)
Deeds & Mortgages	Sep 2025 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`078-173-007-2`

Property Details

APN / Parcel Number

Primary APN	`078-173-007-2`
Alternative APNs	`078-173-007` `0781730031`

Exterior

Lot Area	62,290 sqft

Location & Zoning

Street Address	1601 LOWER TRAIL RD
City	CLAYTON
State	CA
Zip	94517
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	FR
Legal Description	TRACT 2959 POR L7 & TR ADJ
Legal Subdivision	SUBDIVISION 2959
Legal Tract	2959
Legal Lot Number	7
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	355306

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	1601 LOWER TRAIL RD, CLAYTON, CA 94517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · FHA Mortgage HOMELAND FINANCIAL NETWORK INC
May 4, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 18, 2021	Lease, Transfer
Mar 26, 2020	Grant Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2020 · Amount on Record
Deed Sale	Mar 26, 2020 · Amount on Record
Deed Document Number	202058757
Last Transfer Date	May 2, 2022
Transfer Doc	0000077763
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1601 LOWER TRAIL RD, CLAYTON, CA 94517
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5358 LAUREL DR, CONCORD, CA 94521-1517

Mortgage

Document Number	0000102406
Date	Sep 30, 2025
Instrument	2025- 102406

Lender

Name	HOMELAND FINANCIAL NETWORK INC
Type	Mortgage Company
Address	2 S POINTE DR STE 185, LAKE FOREST, CA 92630

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	May 4, 2022
Property Address	1601 LOWER TRAIL RD, CLAYTON, CA 94517
Document Number	0000077763
Map Reference	MB 100 PG 1-3
Instrument Date	May 2, 2022
Instrument	2022-077763
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2694 CORET PLACE #2 # 2, 2, SAN RAMON, CA 94583-2405

Mortgage

Document Number	0000077764
Date	May 4, 2022
Instrument	2022-077764

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

October 2021: Lease, Transfer

Document Type	Lease
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 18, 2021
Property Address	1601 LOWER TRAIL RD, CLAYTON, CA 94517
Document Number	0000286273
Map Reference	MB 100 PG 1-3
Instrument Date	Oct 12, 2021
Instrument	2021-286273
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1248, CLAYTON, CA 94517-9248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 419, CLAYTON, CA 94517-0419

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 26, 2020
Property Address	1601 LOWER TRAIL RD, CLAYTON, CA 94517
Document Number	0000058757
Map Reference	MB 100 PG 1-3
Instrument Date	Mar 16, 2020
Instrument	2020-058757
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	403 OFARRELL DR, BENICIA, CA 94510-1406

Mortgage

Document Number	0000058758
Date	Mar 26, 2020
Instrument	2020-058758

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$331,000 (+78.23%) Land $316,000 Building $15,000
2025	$2,080.00 (+3.74%)	$185,711 (+4.04%) Land $159,181 Building $26,530
2023	$2,005.00 (+26.34%)	$178,500 Land $153,000 Building $25,500
2022	$1,587.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	1 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Dec 1982 · tidal / storm surge

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	Very High above 91% of the US · above 74% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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