Contra Costa County property record for 28 Cottage Ave, Richmond, CA 94801
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 8,724 sqft · built 1902 |
| Lot Size | 3.84 acres (167,270 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,770,000 (Jan 2005) |
| Tax Bill | $55,319 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 558-390-020-3 |
| Primary APN | 558-390-020-3 |
|---|---|
| Alternative APN |
|
| Total Rooms | 18 Rooms |
|---|---|
| Stories | 1 Story |
| Building Area | 8,724 sqft Living Area |
| 1st Floor Area | 8,724 sqft |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1970 |
| Lot Area | 167,270 sqft (3.84 acres) |
| Street Address | 28 COTTAGE AVE, 36 |
|---|---|
| City | RICHMOND |
| State | CA |
| Zip | 94801-3967 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | TR 6058 |
| Legal Subdivision | SUBDIVISION 6058 |
| Legal Tract | 6058 |
| Legal Lot Number | A |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | WEST CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 378000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Point Richmond Historic District listed 1979 · 339 contributing resources · NRIS 79000472 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
28 Cottage Ave is held in a trust since January 2005.
Source: Contra Costa County records, as of July 29, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3007 CESAR CHAVEZ, SAN FRANCISCO, CA 94110-4713 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 10, 2025 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK OF COMMERCE |
| Oct 22, 2019 | Deed of Trust, Mortgage · Commercial Mortgage PRESIDIO BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2005 · Amount on File |
| Deed Sale | Jan 13, 2005 · Amount on File |
| Deed Document Number | 200514436 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 28 COTTAGE AVE, RICHMOND, CA 94801-3967 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000126577 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 2025- 126577 |
| Name | HERITAGE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | 224 AIRPORT PKWY STE 100, SAN JOSE, CA 95110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 28 COTTAGE AVE # 36, 36, RICHMOND, CA 94801-3967 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2022 |
| Title Company | FIRST AMER TTL CO CONCORD |
| Name | Verified Name |
|---|
| Document Number | 0000179926 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 2019-179926 |
| Name | PRESIDIO BANK |
|---|---|
| Type | Bank |
| Address | SAN RAFAEL, CA 94901 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 28 Cottage Ave was $55,319.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Richmond City |
| Unified School District | West Contra Costa Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,522,455 (+2%) Land $872,160 Building $1,650,295 | |
| 2025 | $55,319.00 | $2,472,996 Land $855,059 Building $1,617,937 |
| 2023 | $52,718.00 (+2.8%) | $2,376,968 (+2%) Land $821,857 Building $1,555,111 |
| 2022 | $51,281.00 | $2,330,362 Land $805,743 Building $1,524,619 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 28 Cottage Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.
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 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1983–2016) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jan 2016 · rainfall accumulation |
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.
The area around 28 Cottage 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 297 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Etheric Networks, GeoLinks, T-Mobile.
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