Contra Costa County property record for 28 Wharf Dr, Bay Point, CA 94565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,195 sqft · built 1953 |
| Lot Size | 0.139 acres (6,050 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (May 2023) |
| Tax Bill | $6,096 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 098-142-011 |
| Primary APN | 098-142-011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,195 sqft Living Area |
| 1st Floor Area | 1,195 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 6,050 sqft (0.139 acres) |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 28 WHARF DR |
|---|---|
| City | PITTSBURG |
| State | CA |
| Zip | 94565-1348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P1 |
| Legal Description | SHORE ACRES #5 LOT 654 LESS M R |
| Legal Subdivision | SHORE ACRES 05 |
| Legal Lot Number | 654 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | ANTIOCH-PITTSBURG |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 314200 |
28 Wharf Dr is owned and occupied by two individuals who bought it in May 2023.
Source: Contra Costa County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 WHARF DR, PITTSBURG, CA 94565-1348 |
| 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.
| Date | Document |
|---|---|
| May 11, 2023 | Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Oct 5, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2023 · Amount on File |
| Deed Sale | May 11, 2023 · Amount on File |
| Prior Sale | Sep 23, 2008 · Amount on File |
| Deed Document Number | 202344664 |
| Prior Transfer Date | Sep 28, 2021 |
| Prior Transfer Doc | 0000275312 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | May 11, 2023 |
| Property Address | 28 WHARF DR, BAY POINT, CA 94565-1348 |
| Document Number | 0000044664 |
| Map Reference | VOL 48 PG 47 |
| Instrument Date | May 8, 2023 |
| Instrument | 2023-044664 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2023 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 28 WHARF DR, BAY POINT, CA 94565-1348 |
| Document Number | 0000044665 |
|---|---|
| Date | May 11, 2023 |
| Instrument | 2023-044665 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Number | 0000044666 |
|---|---|
| Date | May 11, 2023 |
| Instrument | 2023-044666 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | FOLSOM, CA 95630 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 362 Months |
| Due | Jul 9, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Oct 5, 2021 |
| Property Address | 28 WHARF DR, BAY POINT, CA 94565-1348 |
| Document Number | 0000275312 |
| Map Reference | VOL 48 PG 47 |
| Instrument Date | Sep 28, 2021 |
| Instrument | 2021-275312 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 WHARF DR, PITTSBURG, CA 94565-1348 |
| Document Number | 0000275313 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2021-275313 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 28 Wharf Dr was $6,096 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $488,155 (+2%) Land $318,362 Building $169,793 | |
| 2025 | $6,096.00 Homeowner's exemption | $478,584 Land $312,120 Building $166,464 |
| 2023 | $2,612.00 (+0.66%) Homeowner's exemption | $170,797 Land $49,503 Building $121,294 |
| 2022 | $2,595.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 28 Wharf Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 12, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 28 Wharf Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect 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 | GOLDEN STATE WATER COMPANY - BAY POINT private · serves 23,765 people · EPA ID CA0710002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2024–2026) 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.
Source: FCC Broadband Data Collection, based on 401 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Unwired Fixed Wireless | 300 / 25 |
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