2342 Winchester Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 2342 Winchester Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,913 sqft · built 2003
Lot Size	0.14 acres (6,100 sqft)
Owner	Individual Name on Record
Last Sale	$730,000 (Mar 2026)
Tax Bill	$9,600 (2025)
Deeds & Mortgages	Mar 2026 Sale Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011-400-091-2`

Property Details

APN / Parcel Number

Primary APN	`011-400-091-2`
Alternative APN	`011-400-091`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,913 sqft Living Area
1st Floor Area	1,564 sqft
2nd Floor Area	1,349 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	871 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2342 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 L91
Legal Subdivision	SUBDIVISION 8023
Legal Tract	8023
Legal Lot Number	91
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	2342 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Grant Deed, Transfer CHICAGO TITLE COMPANY
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Sep 18, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Sep 18, 2020	Grant Deed, Transfer · Conventional Mortgage GUAN Y CHEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2026 · Amount on Record
Deed Sale	Mar 5, 2026 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	202621725
Prior Transfer Date	Sep 4, 2020
Prior Transfer Doc	0000208455
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 5, 2026
Property Address	2342 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Document Number	0000021725
Map Reference	MB 433 PG 32
Instrument Date	Mar 2, 2026
Instrument	2026- 021725
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2342 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2342 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1027 TROJAN AVE, SAN LEANDRO, CA 94579-2112

Mortgage

Document Number	0000318662
Date	Dec 18, 2020
Instrument	2020-318662

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

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

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 18, 2020
Property Address	2342 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Document Number	0000208455
Instrument Date	Sep 4, 2020
Instrument	208455
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2342 WINCHESTER LOOP DISCOVERY BAY CA 945051855, DISCOVERY BAY, CA 94505-1855

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 18, 2020
Property Address	2342 WINCHESTER LOOP, DISCOVERY BAY, CA 94505-1855
Document Number	0000208454
Instrument Date	Aug 7, 2020
Instrument	208454
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$688.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2342 WINCHESTER LOOP DISCOVERY BAY CA 945051855, DISCOVERY BAY, CA 94505-1855

Mortgage

Document Number	208456
Date	Sep 18, 2020
Instrument	208456

Lender

Name	GUAN Y CHEN
Address	2630 FARNEE CT, SOUTH SAN FRANCISCO, CA 94080-3841
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$690,050 (+2%) Land $138,010 Building $552,040
2025	$9,600.00 (+6.6%)	$676,520 (+4.04%) Land $135,304 Building $541,216
2023	$9,006.00 (+1.65%)	$650,250 Land $130,050 Building $520,200
2022	$8,860.00

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
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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