1848 Polk St, Concord, CA 94521 Property Records

Contra Costa County property record for 1848 Polk St, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,941 sqft · built 1964
Lot Size	0.186 acres (8,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Sep 2026)
Tax Bill	$11,406 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`115-371-020-5`

Property Details

APN / Parcel Number

Primary APN	`115-371-020-5`
Alternative APN	`115-371-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,941 sqft Living Area
1st Floor Area	1,213 sqft
2nd Floor Area	728 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1975
Lot Area	8,080 sqft (0.186 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1848 POLK ST
City	CONCORD
State	CA
Zip	94521-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	TRACT 3156 LOT 128 EX MR
Legal Subdivision	BISHOP ESTATES SUB 3156
Legal Tract	3156
Legal Lot Number	128
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1004
Census Tract	333200

Owner

Source: Contra Costa County records, as of September 18, 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 Record
Mailing Address	1848 POLK ST, CONCORD, CA 94521-1313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Grant Deed, Transfer · Conventional Mortgage LOAN STORE
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK
Mar 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PATELCO CU
Feb 1, 2018	Grant Deed, Transfer · Construction Mortgage HIRT MANAGEMENT INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026 · Amount on Record
Deed Sale	Sep 10, 2026 · Amount on Record
Prior Sale	Dec 23, 2024 · Amount on Record
Deed Document Number	202695597
Prior Transfer Date	Apr 15, 1999
Prior Transfer Doc	0000107102
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 10, 2026
Property Address	1848 POLK ST, CONCORD, CA 94521-1313
Document Number	0000095597
Instrument Date	Sep 8, 2026
Instrument	202695597
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98,879.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1848 POLK ST, CONCORD, CA 94521-1313

Mortgage

Document Number	0000095598,
Date	Sep 10, 2026
Instrument	202695598

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 15, 2026
Property Address	1848 POLK ST, CONCORD, CA 94521-1313
Document Number	0000037707
Instrument Date	Apr 6, 2026
Instrument	202637707
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	1848 POLK ST, CONCORD, CA 94521-1313

Mortgage

Document Number	0000037707,
Date	Apr 15, 2026
Instrument	202637707

Lender

Name	NBKC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1848 POLK ST, CONCORD, CA 94521-1313
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046379
Date	Mar 27, 2018
Instrument	2018-046379

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1848 POLK ST, CONCORD, CA 94521-1313
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068933
Date	May 14, 2019
Instrument	2019-068933

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1848 POLK ST, CONCORD, CA 94521-1313
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000127003
Date	Jun 29, 2020
Instrument	2020-127003

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1848 POLK ST, CONCORD, CA 94521-1313
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1848 POLK ST, CONCORD, CA 94521-1313

Mortgage

Document Number	0000254388
Date	Sep 13, 2021
Instrument	2021-254388

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 30, 2046

Interest

Rate Type	Adjustable Rate
Rate	4%
Min Rate At Change	3%
Max Rate At Change	17%
Max Rate	4%

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 1, 2018
Property Address	1848 POLK ST, CONCORD, CA 94521-1313
Document Number	0000016310
Instrument Date	Jan 29, 2018
Instrument	16310
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$722.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1848 POLK ST CONCORD CA 945211313, CONCORD, CA 94521-1313

Mortgage

Document Number	16311
Date	Feb 1, 2018
Instrument	16311

Lender

Name	HIRT MANAGEMENT INC
Address	3240 STONE VALLEY RD W, ALAMO, CA 94507-1555

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 31, 2019

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		$960,840 (+2%) Land $566,100 Building $394,740
2025	$11,406.00 (+28.66%)	$942,000 (+31.1%) Land $555,000 Building $387,000
2023	$8,865.00 (+1.27%)	$718,521 Land $457,361 Building $261,160
2022	$8,754.00

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

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

Values are read at the parcel center point; 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 306 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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