1649 Willow Lake Rd, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 1649 Willow Lake Rd, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,789 sqft · built 1984
Lot Size	0.176 acres (7,680 sqft)
Owner	Individual Name on Record
Last Sale	$586,000 (Mar 2021)
Tax Bill	$8,775 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`004-302-014-8`

Property Details

APN / Parcel Number

Primary APN	`004-302-014-8`
Alternative APN	`004-302-014`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,789 sqft Living Area
1st Floor Area	1,789 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Wood Siding
Roof Material	Wood Shingle
Lot Area	7,680 sqft (0.176 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1649 WILLOW LAKE RD
City	DISCOVERY BAY
State	CA
Zip	94505-9393
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F1
Legal Description	T04207 L0071 B EX 3/4 MR
Legal Subdivision	SUBDIVISION 4207
Legal Tract	04207
Legal Lot Number	71
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1007
Census Tract	304003

Owner

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	Individual Name on Record
Mailing Address	1649 WILLOW LAKE RD, DISCOVERY BAY, CA 94505-9393
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Mar 3, 2021	Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2021 · Amount on Record
Deed Sale	Mar 3, 2021 · Amount on Record
Prior Sale	Aug 12, 2004 · Amount on Record
Deed Document Number	202164574
Prior Transfer Date	Sep 29, 1996
Prior Transfer Doc	0000064281
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1649 WILLOW LAKE RD, DISCOVERY BAY, CA 94505-9393
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 WILLOW LAKE RD, DISCOVERY BAY, CA 94505-9393

Mortgage

Document Number	0000103032
Date	Oct 1, 2025
Instrument	2025- 103032

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	100 N TRYON ST, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 23, 2055

Interest

Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1649 WILLOW LAKE RD, DISCOVERY BAY, CA 94505-9393
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1649 WILLOW LAKE RD, DISCOVERY BAY, CA 94505-9393

Mortgage

Document Number	0000194373
Date	Sep 4, 2020
Instrument	2020-194373

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 3, 2021
Property Address	1649 WILLOW LAKE RD, DISCOVERY BAY, CA 94505-9393
Document Number	0000064574
Map Reference	MB 197 PG 41
Instrument Date	Mar 1, 2021
Instrument	2021-064574
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	1649 WILLOW LAKE RD, DISCOVERY BAY, CA 94505-9393

Mortgage

Document Number	0000064575
Date	Mar 3, 2021
Instrument	2021-064575

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional 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
Elementary School District	Byron Union Elementary School District (KG - 08)
Secondary School District	Liberty Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$658,660 (+2%) Land $220,814 Building $437,846
2025	$8,775.00 (+6.8%) Homeowner's exemption	$645,746 (+4.04%) Land $216,485 Building $429,261
2023	$8,216.00 (+2.1%) Homeowner's exemption	$620,674 Land $208,080 Building $412,594
2022	$8,047.00

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jan 1982 · rainfall accumulation

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	Not rated no burnable land 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	TOWN OF DISCOVERY BAY serves 16,790 people · EPA ID CA0710009
Water Source	Groundwater
Last State Inspection	Mar 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Matrix Broadband.

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