190 Terrace Ct, Hercules, CA 94547 Property Records

Contra Costa County property record for 190 Terrace Ct, Hercules, CA 94547

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,434 sqft · built 1979
Lot Size	0.053 acres (2,300 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Sep 2012)
Tax Bill	$4,662 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`406-481-036-1`

Property Details

APN / Parcel Number

Primary APN	`406-481-036-1`
Alternative APN	`406-481-036`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,434 sqft Living Area
1st Floor Area	759 sqft
2nd Floor Area	675 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Townhouse
Lot Area	2,300 sqft (0.053 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	190 TERRACE CT
City	HERCULES
State	CA
Zip	94547-1414
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD
Legal Description	T05099 L0036 B
Legal Subdivision	SUBDIVISION 5099
Legal Tract	05099
Legal Lot Number	36
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3002
Census Tract	359203

Owner

190 Terrace Ct, a townhouse, is owned by two individuals who bought it in September 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	1036 WHITE BIRCH DR, HERCULES, CA 94547-2669
Owner Type	Individual
Vesting	Community Property

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
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING
Sep 29, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2012 · Amount on File
Deed Sale	Sep 13, 2012 · Amount on File
Prior Sale	Feb 1, 2008 · Amount on File
Deed Document Number	2012223435
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	190 TERRACE CT, HERCULES, CA 94547-1414
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1036 WHITE BIRCH DR, HERCULES, CA 94547-2669

Mortgage

Document Number	0000168765
Date	Jun 10, 2021
Instrument	2021-168765

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jun 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	190 TERRACE CT, HERCULES, CA 94547-1414
Document Number	0000158622
Instrument Date	Oct 2, 2018
Transaction Type	Mortgage
Record Updated	Oct 15, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1036 WHITE BIRCH DR HERCULES CA 945472669, HERCULES, CA 94547-2669

Mortgage

Document Number	0000158622
Date	Oct 4, 2018
Instrument	158622

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	190 TERRACE CT, HERCULES, CA 94547-1414
Document Number	0000184777
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 TERRACE CT HERCULES CA 945471414, HERCULES, CA 94547-1414

Mortgage

Document Number	0000184777
Date	Oct 10, 2017
Instrument	184777

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 190 Terrace Ct was $4,662.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Hercules City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$238,640 (+2%) Land $37,676 Building $200,964
2025	$4,662.00	$233,962 Land $36,938 Building $197,024
2023	$4,337.00 (+1.17%)	$224,878 Land $35,504 Building $189,374
2022	$4,287.00

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

Flood

FEMA maps place 190 Terrace Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 Terrace Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 693 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile, Unwired.

Cell Coverage

5G (outdoors only) and 4G LTE

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