Contra Costa County property record for 2045 Highland Dr, Concord, CA 94520
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 998 sqft · built 1951 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $468,000 (Dec 2019) |
| Tax Bill | $6,584 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit May 2020 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110-215-011-5 |
| Primary APN | 110-215-011-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 998 sqft Living Area |
| Gross Area | 1,274 sqft |
| 1st Floor Area | 998 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Bungalow |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Material | Tar & Gravel |
| Lot Area | 5,500 sqft (0.126 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2045 HIGHLAND DR |
|---|---|
| City | CONCORD |
| State | CA |
| Zip | 94520-4705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | MANOR CREST #3 LOT 72 |
| Legal Subdivision | MANOR CREST VILLAGE 03 |
| Legal Lot Number | 72 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 327002 |
2045 Highland Dr is owned and occupied by an individual who bought it in December 2019.
Source: Contra Costa County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 15, 2022 | Deed of Trust, Mortgage · Line of Credit PATELCO CU |
| May 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Mar 18, 2022 | Deed of Trust, Mortgage · Line of Credit PATELCO CU |
| Dec 13, 2019 | Grant Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Mar 17, 2017 | Grant Deed, Transfer OLD REPUBLIC TITLE |
| Feb 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ALLEN KANADY |
| Feb 10, 2017 | Grant Deed, Transfer OLD REPUBLIC TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2019 · Amount on File |
| Deed Sale | Dec 13, 2019 · Amount on File |
| Prior Sale | Mar 17, 2017 · Amount on File |
| Deed Document Number | 2019224405 |
| Prior Transfer Date | Jul 13, 2011 |
| Prior Transfer Doc | 0000143180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Title Company | NATIONAL CLOSING SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000174070 |
|---|---|
| Date | Nov 15, 2022 |
| Instrument | 2022-174070 |
| Name | PATELCO CU |
|---|---|
| Type | Credit Union |
| Address | DUBLIN, CA 94568 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Dec 31, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 17% |
| Index | Other |
| Margin | 7 |
| Max Rate | 17% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000093930 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 2020-093930 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000240962 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 2020-240962 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | WFG NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000183821 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 2021-183821 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000048899 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 2022-048899 |
| Name | PATELCO CU |
|---|---|
| Type | Credit Union |
| Address | DUBLIN, CA 94568 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Apr 30, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Mar 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Dec 13, 2019 |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000224405 |
| Map Reference | MB 43 PG 38 |
| Instrument Date | Dec 5, 2019 |
| Instrument | 2019-224405 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000224406 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 2019-224406 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Mar 17, 2017 |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000047174 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 47174 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $489.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 173859 DENVER CO 802173859, DENVER, CO 80217-3859 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000028087 |
| Instrument Date | Feb 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2017 |
| Name | Verified Name |
|---|---|
| Address | 2045 HIGHLAND DR CONCORD CA 945204705, CONCORD, CA 94520-4705 |
| Document Number | 0000028087 |
|---|---|
| Date | Feb 14, 2017 |
| Instrument | 28087 |
| Name | ALLEN KANADY |
|---|---|
| Address | 807 75TH AVE, OAKLAND, CA 94621-2937 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Feb 10, 2017 |
| Property Address | 2045 HIGHLAND DR, CONCORD, CA 94520-4705 |
| Document Number | 0000026630 |
| Instrument Date | Feb 3, 2017 |
| Instrument | 26630 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2017 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $489.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2045 HIGHLAND DR CONCORD CA 945204705, CONCORD, CA 94520-4705 |
The 2025 property tax bill for 2045 Highland Dr was $6,584 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Concord City |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $522,057 (+2%) Land $377,043 Building $145,014 | |
| 2025 | $6,584.00 Homeowner's exemption | $511,821 Land $369,650 Building $142,171 |
| 2023 | $6,283.00 (+1.47%) Homeowner's exemption | $491,948 Land $355,297 Building $136,651 |
| 2022 | $6,192.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2045 Highland Dr in Zone X, an area of minimal flood risk.
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 7 (15% premium discount) |
| Nearby Flood Policies | 3 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.
The area around 2045 Highland Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sonic Telecom Fiber | 10,000 / 10,000 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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