2702 Garden Ave, Concord, CA 94520 Property Records

Contra Costa County property record for 2702 Garden Ave, Concord, CA 94520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,202 sqft · built 1942
Lot Size	0.131 acres (5,720 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Dec 2019)
Tax Bill	$7,921 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`112-186-001-7`

Property Details

APN / Parcel Number

Primary APN	`112-186-001-7`
Alternative APN	`112-186-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,202 sqft Living Area
1st Floor Area	1,202 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1960
Lot Area	5,720 sqft (0.131 acres)
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2700 GARDEN AVE, 2702
City	CONCORD
State	CA
Zip	94520-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	CONCORD UPLANDS #2 LOT 1 BLK D
Legal Subdivision	CONCORD UPLANDS 02
Legal Block	D
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4003
Census Tract	329000

Owner

2702 Garden Ave is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	2700 GARDEN AVE, 2702, CONCORD, CA 94520-1805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage PANORAMA MORTGAGE GROUP LLC
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDRONE INC
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit TRAVIS CU
Dec 31, 2019	Grant Deed, Transfer · FHA Mortgage ALTERRA HM LNS
Jul 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Jul 22, 2014 · Amount on File
Deed Document Number	2019236031
Prior Transfer Date	Apr 30, 2008
Prior Transfer Doc	0000097661
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2702 GARDEN AVE, CONCORD, CA 94520-1805
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2702 GARDEN AVE, CONCORD, CA 94520-1805

Mortgage

Document Number	0000207482
Date	Sep 17, 2020
Instrument	2020-207482

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution
Address	LAKEWOOD, NJ 08701

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2702 GARDEN AVE, CONCORD, CA 94520-1805
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2702 GARDEN AVE, CONCORD, CA 94520-1805

Mortgage

Document Number	0000259253
Date	Sep 17, 2021
Instrument	2021-259253

Lender

Name	LOANDRONE INC
Type	Non-Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2702 GARDEN AVE, CONCORD, CA 94520-1805
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2701 GARDEN AVE, CONCORD, CA 94520-1803

Mortgage

Document Number	0000028315
Date	Feb 15, 2022
Instrument	2022-028315

Lender

Name	TRAVIS CU
Type	Credit Union
Address	VACAVILLE, CA 95687

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 2, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 31, 2019
Property Address	2702 GARDEN AVE, CONCORD, CA 94520-1805
Document Number	0000236031
Instrument Date	Dec 30, 2019
Instrument	236031
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2702 GARDEN AVE CONCORD CA 945201805, CONCORD, CA 94520-1805

Mortgage

Document Number	236032
Date	Dec 31, 2019
Instrument	236032

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2702 GARDEN AVE, CONCORD, CA 94520-1805
Document Number	0000112900
Instrument Date	Jul 12, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2702 GARDEN AVE CONCORD CA 945201805, CONCORD, CA 94520-1805

Mortgage

Document Number	0000112900
Date	Jul 22, 2019
Instrument	112900

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2702 Garden Ave was $7,921 with a homeowner's exemption.

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		$645,813 (+2%) Land $378,158 Building $267,655
2025	$7,921.00 Homeowner's exemption	$633,151 Land $370,744 Building $262,407
2023	$6,597.00 (+1.45%) Homeowner's exemption	$520,332 Land $356,349 Building $163,983
2022	$6,503.00

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

Flood

FEMA maps place 2702 Garden Ave in Zone X, an area of minimal 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 minimal risk
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 2702 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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