2432 Charlotte Ave, Concord, CA 94518 Property Records

Contra Costa County property record for 2432 Charlotte Ave, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,636 sqft · built 1959
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Jun 2017)
Tax Bill	$9,016 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`129-263-016-5`

Property Details

APN / Parcel Number

Primary APN	`129-263-016-5`
Alternative APN	`129-263-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
1st Floor Area	1,636 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1975
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2432 CHARLOTTE AVE
City	CONCORD
State	CA
Zip	94518-2511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	TRACT 2651 LOT 219
Legal Subdivision	2651 VISTA DIABLO-UN 3
Legal Tract	2651
Legal Lot Number	219
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1000
Census Tract	337201

Owner

2432 Charlotte Ave is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jun 12, 2017	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on File
Deed Sale	Jun 12, 2017 · Amount on File
Prior Sale	Oct 14, 1998 · Amount on File
Deed Document Number	2017104170
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511

Mortgage

Document Number	0000244491
Date	Oct 21, 2020
Instrument	2020-244491

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086991
Date	May 7, 2020
Instrument	2020-086991

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511

Mortgage

Document Number	0000042320
Date	Mar 9, 2022
Instrument	2022-042320

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 12, 2017
Property Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511
Document Number	0000104170
Map Reference	MB70 PG16
Instrument Date	Jun 8, 2017
Instrument	2017-104170
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	2432 CHARLOTTE AVE, CONCORD, CA 94518-2511

Mortgage

Document Number	0000104171
Date	Jun 12, 2017
Instrument	2017-104171

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2432 Charlotte Ave was $9,016.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$739,866 (+2%) Land $436,818 Building $303,048
2025	$9,016.00	$725,359 Land $428,253 Building $297,106
2023	$8,629.00 (+1.29%)	$697,194 Land $411,624 Building $285,570
2022	$8,519.00

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

Flood

FEMA maps place 2432 Charlotte Ave in Zone X, an area of minimal flood risk.

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 7 (15% 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

Wildfire risk around 2432 Charlotte Ave 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 99.1% of the US · lower than 99.2% 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	CONTRA COSTA WATER DISTRICT serves 210,500 people · EPA ID CA0710003
Water Source	Surface water
Last State Inspection	Jan 2022
Lead	Under 1 ppb (2026–2028) 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 645 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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