1854 Earl Ln, Concord, CA 94521 Property Records

Contra Costa County property record for 1854 Earl Ln, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,422 sqft · built 1955
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$780,000 (Apr 2022)
Tax Bill	$8,637 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`116-120-009`

Property Details

APN / Parcel Number

Primary APN	`116-120-009`
Alternative APN	`116-120-009-0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
1st Floor Area	1,422 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1970
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1854 EARL LN
City	CONCORD
State	CA
Zip	94521-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	AYERS RANCH SUBN POR LOTS 48 & 49
Legal Subdivision	AYERS RANCH SUB
Legal Lot Number	48,49
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1009
Census Tract	333101

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	1854 EARL LN, CONCORD, CA 94521-1440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Sep 20, 2019	Deed of Trust, Mortgage · FHA Mortgage MASON MCDUFFIE MORTGAGE CORP
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP
Apr 26, 2022	Grant Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2022 · Amount on Record
Deed Sale	Apr 26, 2022 · Amount on Record
Prior Sale	Jul 9, 2015 · Amount on Record
Deed Document Number	202271727
Prior Transfer Date	Dec 9, 1999
Prior Transfer Doc	0000324315
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1854 EARL LN, CONCORD, CA 94521-1440
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000131732
Date	Aug 17, 2018
Instrument	2018-131732

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Sep 30, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1854 EARL LN, CONCORD, CA 94521-1440
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156731
Date	Sep 20, 2019
Instrument	2019-156731

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1854 EARL LN, CONCORD, CA 94521-1440
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1854 EARL LN, CONCORD, CA 94521-1440

Mortgage

Document Number	0000159308
Date	Jun 1, 2021
Instrument	2021-159308

Lender

Name	SOFI LENDING CORP
Type	Lending Institution
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 26, 2022
Property Address	1854 EARL LN, CONCORD, CA 94521-1440
Document Number	0000071727
Map Reference	MB 7 PG 170-172
Instrument Date	Apr 20, 2022
Instrument	2022-071727
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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
Relationship	Community Property with Right of Survivorship
Address	1854 EARL LN, CONCORD, CA 94521-1440

Mortgage

Document Number	0000071728
Date	Apr 26, 2022
Instrument	2022-071728

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

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		$760,000 (-1.43%) Land $545,642 Building $214,358
2025	$8,637.00 (+2.12%)	$771,000 (+2.39%) Land $553,539 Building $217,461
2023	$8,458.00 (+52.92%)	$753,000 Land $541,000 Building $212,000
2022	$5,531.00

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1995–1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And 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

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

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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 309 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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