2318 Winchester Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 2318 Winchester Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,778 sqft · built 2003
Lot Size	0.14 acres (6,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$725,000 (Mar 2021)
Tax Bill	$10,787 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2020 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`011-400-085-4`

Property Details

APN / Parcel Number

Primary APN	`011-400-085-4`
Alternative APN	`011-400-085`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,778 sqft Living Area
1st Floor Area	1,352 sqft
2nd Floor Area	1,426 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Architectural Style	Cluster
Lot Area	6,100 sqft (0.14 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2318 WINCHESTER LOOP
City	DISCOVERY BAY
State	CA
Zip	94505-1855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T8023 L85
Legal Subdivision	SUBDIVISION 8023
Legal Tract	8023
Legal Lot Number	85
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	2 Individual Names on Record
Mailing Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2018	Deed of Trust, Mortgage · ARM US BANK NA
Oct 9, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIBER HOME LOANS INC
Mar 16, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 27, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Mar 14, 2019	Grant Deed, Transfer · FHA Mortgage COASTAL FUNDING SLC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2021 · Amount on Record
Deed Sale	Mar 16, 2021 · Amount on Record
Prior Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	202178973
Prior Transfer Date	Dec 16, 2005
Prior Transfer Doc	0000488495
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187530
Date	Nov 20, 2018
Instrument	2018-187530

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855

Mortgage

Document Number	0000233135
Date	Oct 9, 2020
Instrument	2020-233135

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Feb 1, 2050

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 16, 2021
Property Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Document Number	0000078973
Map Reference	MB 433 PG 32
Instrument Date	Mar 8, 2021
Instrument	2021-078973
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Relationship	Joint Tenants
Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855

Mortgage

Document Number	0000078974
Date	Mar 16, 2021
Instrument	2021-078974

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Document Number	0000029361
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 WINCHESTER LOOP DISCOVERY BAY CA 945051855, DISCOVERY BAY, CA 94505-1855

Mortgage

Document Number	0000029361
Date	Feb 18, 2020
Instrument	29361

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 14, 2019
Property Address	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Document Number	0000034931
Map Reference	MB 433 PG 32
Instrument Date	Mar 8, 2019
Instrument	2019-034931
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN 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	2318 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855

Mortgage

Document Number	0000034932
Date	Mar 14, 2019
Instrument	2019-034932

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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		$800,455 (+2%) Land $165,611 Building $634,844
2025	$10,787.00 (+6.41%)	$784,761 (+4.04%) Land $162,364 Building $622,397
2023	$10,137.00 (+1.65%)	$754,290 Land $156,060 Building $598,230
2022	$9,972.00

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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