220 S 45th St, Richmond, CA 94804 Property Records

Contra Costa County property record for 220 S 45th St, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,327 sqft · built 1951
Lot Size	0.299 acres (13,015 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jul 2016)
Tax Bill	$6,039 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`513-322-017-7`

Property Details

APN / Parcel Number

Primary APN	`513-322-017-7`
Alternative APN	`513-322-017`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,327 sqft Living Area
1st Floor Area	1,327 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	13,015 sqft (0.299 acres)
Garage Type	Attached
Garage Area	419 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	220 S 45TH ST
City	RICHMOND
State	CA
Zip	94804-3413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MOUND LOTS 31 TO 34
Legal Subdivision	MOUND
Legal Lot Number	31-34
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1019
Census Tract	381000

Owner

220 S 45th St is owned and occupied by an individual who bought it in July 2016.

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

Owner of Record	Individual Name on File
Mailing Address	220 S 45TH ST, RICHMOND, CA 94804-3413
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Feb 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2016 · Amount on File
Deed Sale	Jul 1, 2016 · Amount on File
Deed Document Number	2016131008
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	220 S 45TH ST, RICHMOND, CA 94804-3413
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 S 45TH ST, RICHMOND, CA 94804-3413

Mortgage

Document Number	0000212011
Date	Sep 22, 2020
Instrument	2020-212011

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	220 S 45TH ST, RICHMOND, CA 94804-3413
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169898
Date	Aug 13, 2020
Instrument	2020-169898

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	220 S 45TH ST, RICHMOND, CA 94804-3413
Document Number	0000032793
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 S 45TH ST RICHMOND CA 948043413, RICHMOND, CA 94804-3413

Mortgage

Document Number	0000032793
Date	Feb 22, 2017
Instrument	32793

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 220 S 45th St was $6,039 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	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$331,455 (+2%) Land $207,160 Building $124,295
2025	$6,039.00 Homeowner's exemption	$324,957 Land $203,099 Building $121,858
2023	$5,847.00 (+2.15%) Homeowner's exemption	$312,340 Land $195,213 Building $117,127
2022	$5,724.00

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

Flood

FEMA maps place 220 S 45th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026

FEMA Flood Zone	Zone X minimal risk
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 220 S 45th St is low, with less than 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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 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 637 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks.

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