2278 Winchester Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 2278 Winchester Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,394 sqft · built 2003
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on Record
Last Sale	$875,000 (Sep 2021)
Tax Bill	$11,250 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`011-410-050-6`

Property Details

APN / Parcel Number

Primary APN	`011-410-050-6`
Alternative APN	`011-410-050`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,394 sqft Living Area
1st Floor Area	2,226 sqft
2nd Floor Area	1,168 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cluster
Lot Area	6,500 sqft (0.149 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2278 WINCHESTER LOOP
City	DISCOVERY BAY
State	CA
Zip	94505-1850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T8429 L50
Legal Subdivision	SUBDIVISION 8429
Legal Tract	8429
Legal Lot Number	50
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	3
Census Block	3016
Census Tract	304007

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Commercial Mortgage GULF COAST BANK & TRUST CO
Sep 22, 2021	Grant Deed, Transfer · FHA Mortgage NFM INC
Sep 22, 2021	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
May 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage PLANET HM LNDG
May 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2021 · Amount on Record
Deed Sale	Sep 22, 2021 · Amount on Record
Prior Sale	Nov 14, 2008 · Amount on Record
Deed Document Number	2021263880
Prior Transfer Date	Sep 17, 2021
Prior Transfer Doc	0000263879
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850

Mortgage

Document Number	0000155277
Date	Jul 29, 2020
Instrument	2020-155277

Lender

Name	GULF COAST BANK & TRUST CO
Type	Bank
Address	NEW ORLEANS, LA 70130

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 22, 2021
Property Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850
Document Number	0000263880
Map Reference	MB 433 PG 44
Instrument Date	Sep 17, 2021
Instrument	2021-263880
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850

Mortgage

Document Number	0000263881
Date	Sep 22, 2021
Instrument	2021-263881

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 22, 2021
Property Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850
Document Number	0000263879
Map Reference	MB 433 PG 44
Instrument Date	Sep 17, 2021
Instrument	2021-263879
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850
Document Number	0000073361
Instrument Date	May 16, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	7110 EDGEWATER DR MANDEVILLE LA 704717432, MANDEVILLE, LA 70471-7432

Mortgage

Document Number	0000073361
Date	May 21, 2019
Instrument	73361

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2278 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1850
Document Number	0000091886
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2278 WINCHESTER LOOP DISCOVERY BAY CA 945051850, DISCOVERY BAY, CA 94505-1850

Mortgage

Document Number	0000091886
Date	Jun 11, 2018
Instrument	91886

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Elementary School District	Byron Union Elementary School District (KG - 08)
Secondary School District	Liberty Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$812,000 (-1.81%) Land $139,000 Building $673,000
2025	$11,250.00 (+4.93%)	$827,000 (+2.35%) Land $141,788 Building $685,212
2023	$10,721.00 (-6.37%)	$808,000 Land $139,000 Building $669,000
2022	$11,450.00

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

Flood

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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	TOWN OF DISCOVERY BAY serves 16,790 people · EPA ID CA0710009
Water Source	Groundwater
Last State Inspection	Mar 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 483 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25

May also be available: Verizon.

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