2105 Esperanza Dr, Concord, CA 94519 Property Records

Contra Costa County property record for 2105 Esperanza Dr, Concord, CA 94519

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 1946
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$538,000 (Apr 2020)
Tax Bill	$7,506 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`111-202-017-5`

Property Details

APN / Parcel Number

Primary APN	`111-202-017-5`
Alternative APN	`111-202-017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	236 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	2105 ESPERANZA DR
City	CONCORD
State	CA
Zip	94519-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	MARAVILLA TRACT #1 LOT 7 BLK 2
Legal Subdivision	MARVILLA 01
Legal Tract	1
Legal Block	2
Legal Lot Number	7
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4006
Census Tract	330000

Owner

2105 Esperanza Dr is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2105 ESPERANZA DR, CONCORD, CA 94519-2538
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
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Apr 13, 2020	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2020 · Amount on File
Deed Sale	Apr 13, 2020 · Amount on File
Prior Sale	Jun 15, 1998 · Amount on File
Deed Document Number	202069416
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2105 ESPERANZA DR, CONCORD, CA 94519-2538
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 ESPERANZA DR, CONCORD, CA 94519-2538

Mortgage

Document Number	0000067003
Date	Apr 18, 2022
Instrument	2022-067003

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Mar 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2105 ESPERANZA DR, CONCORD, CA 94519-2538
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 ESPERANZA DR, CONCORD, CA 94519-2538

Mortgage

Document Number	0000194341
Date	Jul 9, 2021
Instrument	2021-194341

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 13, 2020
Property Address	2105 ESPERANZA DR, CONCORD, CA 94519-2538
Document Number	0000069416
Map Reference	MB 29 PG 38
Instrument Date	Apr 8, 2020
Instrument	2020-069416
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2105 ESPERANZA DR, CONCORD, CA 94519-2538

Mortgage

Document Number	0000069417
Date	Apr 13, 2020
Instrument	2020-069417

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2105 Esperanza Dr was $7,506.

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		$600,144 (+2%) Land $446,205 Building $153,939
2025	$7,506.00	$588,377 Land $437,456 Building $150,921
2023	$7,175.00 (+1.38%)	$565,531 Land $420,470 Building $145,061
2022	$7,077.00

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

Flood

FEMA maps place 2105 Esperanza 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	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

The area around 2105 Esperanza 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.

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 715 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 · Fixed Wireless 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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