164 Norman Ave, Concord, CA 94520 Property Records

Contra Costa County property record for 164 Norman Ave, Concord, CA 94520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,113 sqft · built 1918
Lot Size	0.128 acres (5,580 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jan 2020)
Tax Bill	$3,413 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`100-311-043-2`

Property Details

APN / Parcel Number

Primary APN	`100-311-043-2`
Alternative APNs	`100-311-043` `1003110218`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,113 sqft Living Area
1st Floor Area	1,113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1975
Architectural Style	Bungalow
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	5,580 sqft (0.128 acres)
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

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	164 NORMAN AVE
City	CONCORD
State	CA
Zip	94520-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	MAP OF CLYDE LOT 21 BLK 7 & POR TR ADJ
Legal Subdivision	CLYDE
Legal Block	7
Legal Lot Number	21
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1058
Census Tract	315000

Owner

164 Norman Ave is owned and occupied by two individuals who bought it in January 2020.

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	164 NORMAN AVE, CONCORD, CA 94520-1105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Mar 1, 2021	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Jan 10, 2020	Grant Deed, Transfer · Conventional Mortgage PATELCO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2020 · Amount on File
Deed Sale	Jan 10, 2020 · Amount on File
Prior Sale	Jan 23, 1996 · Amount on File
Deed Document Number	20204815
Prior Transfer Date	Apr 1, 1995
Prior Transfer Doc	0000057144
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	164 NORMAN AVE, CONCORD, CA 94520-1105
Transaction Type	Mortgage
Record Updated	Aug 29, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 NORMAN AVE, CONCORD, CA 94520-1105

Mortgage

Document Number	0000080631
Date	Aug 21, 2023
Instrument	2023-080631

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Sep 30, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	164 NORMAN AVE, CONCORD, CA 94520-1105
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 NORMAN AVE, CONCORD, CA 94520-1105

Mortgage

Document Number	0000061837
Date	Mar 1, 2021
Instrument	2021-061837

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 30, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 10, 2020
Property Address	164 NORMAN AVE, CONCORD, CA 94520-1105
Document Number	0000004815
Map Reference	MB 17 PG 358
Instrument Date	Jan 7, 2020
Instrument	2020-004815
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Community Property with Right of Survivorship
Address	164 NORMAN AVE, CONCORD, CA 94520-1105

Mortgage

Document Number	0000004816
Date	Jan 10, 2020
Instrument	2020-004816

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 164 Norman Ave was $3,413.

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		$228,723 (+2%) Land $91,486 Building $137,237
2025	$3,413.00	$224,240 Land $89,693 Building $134,547
2023	$3,266.00 (+0.86%)	$215,534 Land $86,211 Building $129,323
2022	$3,238.00

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

FEMA maps place 164 Norman Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & 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

Wildfire risk around 164 Norman Ave is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Xfinity Cable	1,200 / 35
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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