2640 Garden Ave, Concord, CA 94520 Property Records

Contra Costa County property record for 2640 Garden Ave, Concord, CA 94520

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1942
Lot Size	0.131 acres (5,720 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jun 2014)
Tax Bill	$5,409 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`112-172-004-7`

Property Details

APN / Parcel Number

Primary APN	`112-172-004-7`
Alternative APN	`112-172-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1980
Lot Area	5,720 sqft (0.131 acres)
Lot Dimensions	104 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2640 GARDEN AVE
City	CONCORD
State	CA
Zip	94520-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	CONCORD UPLANDS #1 LOT 4 BLK C
Legal Subdivision	CONCORD UPLANDS 01
Legal Block	C
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4003
Census Tract	329000

Owner

2640 Garden Ave is owned and occupied by an individual who bought it in June 2014.

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

Owner of Record	Individual Name on File
Mailing Address	2640 GARDEN AVE, CONCORD, CA 94520-1804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Apr 25, 2018	Deed of Trust, Mortgage · Conventional with PMI CAPWEST HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2014 · Amount on File
Deed Sale	Jun 30, 2014 · Amount on File
Prior Sale	Jan 14, 2011 · Amount on File
Deed Document Number	2014107251
Prior Transfer Date	Jun 2, 2014
Prior Transfer Doc	0000107250
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2640 GARDEN AVE, CONCORD, CA 94520-1804
Document Number	0000153947
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	632 SONORA CT MARTINEZ CA 945534451, MARTINEZ, CA 94553-4451

Mortgage

Document Number	0000153947
Date	Jul 27, 2020
Instrument	153947

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2640 GARDEN AVE, CONCORD, CA 94520-1804
Document Number	0000070911
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2640 GARDEN AVE CONCORD CA 945201804, CONCORD, CA 94520-1804

Mortgage

Document Number	0000070911
Date	May 7, 2018
Instrument	70911

Lender

Name	CAPWEST HM LNS
Address	IRVINE, CA 92618

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2640 Garden Ave was $5,409.

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		$406,363 (+2%) Land $281,331 Building $125,032
2025	$5,409.00	$398,396 Land $275,815 Building $122,581
2023	$5,154.00 (+1.56%)	$382,927 Land $265,105 Building $117,822
2022	$5,075.00

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

Flood

FEMA maps place 2640 Garden Ave in Zone X, an area of moderate flood risk, though there have been 3 flood claims nearby since 1980.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1980–1983)
Most Recent Claim	Jan 1983 · Coastal Storms, Floods, Slides & Tornadoes

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

The area around 2640 Garden Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 916 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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