1860 Polk St, Concord, CA 94521 Property Records

Contra Costa County property record for 1860 Polk St, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,189 sqft · built 1964
Lot Size	0.186 acres (8,080 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,904 (2025)
Deeds & Mortgages	Dec 2023 Transfer Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`115-372-001-4`

Property Details

APN / Parcel Number

Primary APN	`115-372-001-4`
Alternative APN	`115-372-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,189 sqft Living Area
1st Floor Area	1,461 sqft
2nd Floor Area	728 sqft

Exterior

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

Location & Zoning

Street Address	1860 POLK ST
City	CONCORD
State	CA
Zip	94521-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	TRACT 3156 LOT 129 EX MR
Legal Subdivision	BISHOP ESTATES SUB 3156
Legal Tract	3156
Legal Lot Number	129
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	333200

Owner

1860 Polk St is owner-occupied and held in a trust since December 2023.

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 Trust Names on File
Mailing Address	1860 POLK ST, CONCORD, CA 94521-1314
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Intrafamily Transfer, Transfer
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Nov 22, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 4, 2023
Transfer Doc	0000128629
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 4, 2023
Property Address	1860 POLK ST, CONCORD, CA 94521-1314
Document Number	0000128629
Map Reference	MB 91 PG 43
Instrument Date	Dec 4, 2023
Instrument	2023-128629
Transaction Type	Transfer
Record Updated	Dec 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1860 POLK ST, CONCORD, CA 94521-1314

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1860 POLK ST, CONCORD, CA 94521-1314
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 POLK ST, CONCORD, CA 94521-1314

Mortgage

Document Number	0000336063
Date	Dec 10, 2021
Instrument	2021-336063

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1860 POLK ST, CONCORD, CA 94521-1314
Document Number	0000038280
Instrument Date	Mar 12, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1860 POLK ST CONCORD CA 945211314, CONCORD, CA 94521-1314

Mortgage

Document Number	0000038280
Date	Mar 20, 2019
Instrument	38280

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1860 POLK ST, CONCORD, CA 94521-1314
Document Number	0000233967
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1860 POLK ST CONCORD CA 945211314, CONCORD, CA 94521-1314

Mortgage

Document Number	0000233967
Date	Dec 13, 2017
Instrument	233967

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1860 Polk St was $4,904 with a homeowner's exemption.

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		$366,903 (+2%) Land $176,820 Building $190,083
2025	$4,904.00 Homeowner's exemption	$359,709 Land $173,353 Building $186,356
2023	$4,664.00 (+1.68%) Homeowner's exemption	$345,742 Land $166,622 Building $179,120
2022	$4,587.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1860 Polk St 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

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

Wildfire risk around 1860 Polk St is low, with a 0.05% annual chance of 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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