2807 Downer Ave, Richmond, CA 94804 Property Records

Contra Costa County property record for 2807 Downer Ave, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,423 sqft · built 1925
Lot Size	0.147 acres (6,402 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Jun 2026)
Tax Bill	$13,823 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`528-280-034`

Property Details

APN / Parcel Number

Primary APN	`528-280-034`
Alternative APN	`528-280-034-0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,423 sqft Living Area
1st Floor Area	1,423 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1960
Lot Area	6,402 sqft (0.147 acres)
Garage Type	Attached
Garage Area	332 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2807 DOWNER AVE
City	RICHMOND
State	CA
Zip	94804-1441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SCHAPIRO CENTRAL LOTS 2 & 3 BLK 4
Legal Subdivision	SCHAPIRO CENTRAL
Legal Block	4
Legal Lot Number	2,3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1005
Census Tract	374000

Owner

2807 Downer Ave is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
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
Nov 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage XPERT HOME LENDING INC
Jun 9, 2026	Grant Deed, Transfer · Conventional Mortgage FLEXPOINT FUNDING
Jan 30, 2024	Grant Deed, Transfer · Conventional Mortgage XPERT HOME LENDING INC
Jun 8, 2023	Grant Deed, Transfer · Commercial Mortgage INVESTMENT GROUP INC
Sep 28, 2022	Grant Deed, Transfer
Sep 16, 2022	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on File
Deed Sale	Jun 9, 2026 · Amount on File
Prior Sale	Jan 30, 2024 · Amount on File
Deed Document Number	202660145
Prior Transfer Date	Sep 30, 2004
Prior Transfer Doc	0000396680
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441

Mortgage

Document Number	0000130861
Date	Nov 20, 2025
Instrument	2025- 130861

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company
Address	1100 SATELLITE BLVD NW, SUWANEE, GA 30024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 9, 2026
Property Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
Document Number	0000060145
Instrument Date	Jun 5, 2026
Instrument	202660145
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	ORANGE COAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
Investor	Possibly a Property Investor

Mortgage

Document Number	0000060146,
Date	Jun 9, 2026
Instrument	202660146

Lender

Name	FLEXPOINT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 30, 2024
Property Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
Document Number	0000009484
Map Reference	MB 5 PG 111
Instrument Date	Jan 27, 2024
Instrument	2024-009484
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441

Mortgage

Document Number	0000009485
Date	Jan 30, 2024
Instrument	2024-009485

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 8, 2023
Property Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
Document Number	0000054761
Map Reference	MB 5 PG 111
Instrument Date	Jun 6, 2023
Instrument	2023-054761
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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
Address	6010 BAYVIEW AVE, RICHMOND, CA 94804-4881

Mortgage

Document Number	0000054762
Date	Jun 8, 2023
Instrument	2023-054762

Lender

Name	INVESTMENT GROUP INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 28, 2022
Property Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
Document Number	0000144974
Map Reference	MB 5 PG 111
Instrument Date	Sep 21, 2022
Instrument	2022-144974
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1093, TIBURON, CA 94920-7013

September 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 16, 2022
Property Address	2807 DOWNER AVE, RICHMOND, CA 94804-1441
Document Number	0000140495
Map Reference	MB 5 PG 111
Instrument Date	Sep 13, 2022
Instrument	2022-140495
Transaction Type	Foreclosure
Record Updated	Nov 3, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2300 BRIDGEWAY, SAUSALITO, CA 94965-1767

Tax Assessment & Valuation

The 2025 property tax bill for 2807 Downer Ave was $13,823.

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$881,218 (+2%) Land $673,138 Building $208,080
2025	$13,823.00	$863,940 Land $659,940 Building $204,000
2023	$8,618.00 (+159.5%)	$500,000 Land $400,000 Building $100,000
2022	$3,321.00

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

Flood

FEMA maps place 2807 Downer 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 10 (0% premium discount)
Nearby Flood Policies	1 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

The area around 2807 Downer 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	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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,276 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 · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks.

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