190 Panoramic Way, Walnut Creek, CA 94595 Property Records

Contra Costa County property record for 190 Panoramic Way, Walnut Creek, CA 94595

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,942 sqft · built 1947
Lot Size	0.356 acres (15,500 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Jul 1999)
Tax Bill	$8,987 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`184-321-039-2`

Property Details

APN / Parcel Number

Primary APN	`184-321-039-2`
Alternative APN	`184-321-039`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,942 sqft Living Area
1st Floor Area	2,267 sqft
2nd Floor Area	675 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,500 sqft (0.356 acres)
Garage Type	Carport
Garage Area	703 sqft
Carport	Carport
Carport Area	703 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	190 PANORAMIC WAY
City	WALNUT CREEK
State	CA
Zip	94595-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	RECORD OF SURVEY 29 LSM 3 PCL B
Legal Lot Number	B
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	5
Census Block	5001
Census Tract	334200

Owner

190 Panoramic Way is owned and occupied by two individuals who acquired it in November 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	190 PANORAMIC WAY, WALNUT CREEK, CA 94595-1608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 10, 2020	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1999 · Amount on File
Deed Sale	Jul 1, 1999 · Amount on File
Deed Document Number	1999175070
Last Transfer Date	Nov 12, 2001
Transfer Doc	0000356154
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	190 PANORAMIC WAY, WALNUT CREEK, CA 94595-1608
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000179575
Date	Oct 22, 2019
Instrument	2019-179575

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.35%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.32%
Index	1-Year LIBOR
Max Rate	8.32%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	190 PANORAMIC WAY, WALNUT CREEK, CA 94595-1608
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 PANORAMIC WAY, WALNUT CREEK, CA 94595-1608

Mortgage

Document Number	0000269452
Date	Nov 10, 2020
Instrument	2020-269452

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	190 PANORAMIC WAY, WALNUT CREEK, CA 94595-1608
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 PANORAMIC WAY, WALNUT CREEK, CA 94595-1608

Mortgage

Document Number	0000269453
Date	Nov 10, 2020
Instrument	2020-269453

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 190 Panoramic Way was $8,987 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
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Walnut Creek Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$733,442 (+2%) Land $335,221 Building $398,221
2025	$8,987.00 Homeowner's exemption	$719,062 Land $328,649 Building $390,413
2023	$8,646.00 (+2.17%) Homeowner's exemption	$691,141 Land $315,888 Building $375,253
2022	$8,462.00

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

Flood

FEMA maps place 190 Panoramic Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1997–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2017 · other causes

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 190 Panoramic Way is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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