232 Sandy Cove Ln, Bay Point (Pittsburg), CA 94565 Property Records

Contra Costa County property record for 232 Sandy Cove Ln, Bay Point, CA 94565

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,579 sqft · built 1989
Lot Size	0.098 acres (4,275 sqft)
Owner	Individual Name on Record
Last Sale	$207,000 (Sep 2011)
Tax Bill	$3,810 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`098-520-047-6`

Property Details

APN / Parcel Number

Primary APN	`098-520-047-6`
Alternative APN	`098-520-047`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,579 sqft Living Area
Gross Area	2,017 sqft
1st Floor Area	774 sqft
2nd Floor Area	805 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Lot Area	4,275 sqft (0.098 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	232 SANDY COVE LN
City	BAY POINT
State	CA
Zip	94565-6719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T6484 L47
Legal Subdivision	SUBDIVISION 6484
Legal Tract	6484
Legal Lot Number	47
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2011
Census Tract	315000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2017	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Jun 13, 2018	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
May 23, 2019	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Dec 30, 2020	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2011 · Amount on Record
Deed Sale	Sep 21, 2011 · Amount on Record
Prior Sale	Mar 18, 1994 · Amount on Record
Deed Document Number	2011194102
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000142962
Date	Aug 9, 2017
Instrument	2017-142962

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094097
Date	Jun 13, 2018
Instrument	2018-094097

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075525
Date	May 23, 2019
Instrument	2019-075525

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	STATES TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719

Mortgage

Document Number	0000329228
Date	Dec 30, 2020
Instrument	2020-329228

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 SANDY COVE LN, BAY POINT, CA 94565-6719

Mortgage

Document Number	0000320239
Date	Nov 19, 2021
Instrument	2021-320239

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$265,189 (+2%) Land $72,571 Building $192,618
2025	$3,810.00 (+5.42%) Homeowner's exemption	$259,991 (+4.04%) Land $71,149 Building $188,842
2023	$3,614.00 (+0.7%) Homeowner's exemption	$249,897 Land $68,387 Building $181,510
2022	$3,589.00

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

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

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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	GOLDEN STATE WATER COMPANY - BAY POINT private · serves 23,765 people · EPA ID CA0710002
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024–2026) 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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Unwired, Verizon.

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