2849 Stephen Dr, Richmond (El Sobrante), CA 94803 Property Records

Contra Costa County property record for 2849 Stephen Dr, Richmond, CA 94803

Property Summary

Property Type	Duplex
Details	6 bd · 3.5 ba · 2,508 sqft · built 1955
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Company Names on File
Last Sale	$1,104,000 (Apr 2022)
Tax Bill	$18,756 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`431-142-042-8`

Property Details

APN / Parcel Number

Primary APN	`431-142-042-8`
Alternative APN	`431-142-042`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,508 sqft Living Area
1st Floor Area	1,562 sqft
Basement Area	946 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Lot Area	7,500 sqft (0.172 acres)

Location & Zoning

Street Address	2849 STEPHEN DR
City	EL SOBRANTE
State	CA
Zip	94803-2321
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Description	TRACT 2088 LOT 406
Legal Subdivision	2088 DE ANZA VISTA
Legal Tract	2088
Legal Lot Number	406
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2002
Census Tract	360200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	830 SANTA FE AVE, ALBANY, CA 94706-1824
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2020	Deed of Trust, Mortgage · Commercial Mortgage QUICKEN LOANS LLC
Apr 19, 2022	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Mar 23, 2018	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2022 · Amount on File
Deed Sale	Apr 19, 2022 · Amount on File
Prior Sale	Mar 23, 2018 · Amount on File
Deed Document Number	202267332
Last Transfer Date	Mar 23, 2024
Transfer Doc	0000063450
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2849 STEPHEN DR, RICHMOND, CA 94803-2321
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1767 SONOMA AVE, BERKELEY, CA 94707-2548

Mortgage

Document Number	0000283893
Date	Nov 23, 2020
Instrument	2020-283893

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 19, 2022
Property Address	2849 STEPHEN DR, RICHMOND, CA 94803-2321
Document Number	0000067332
Map Reference	MB 55 PG 7
Instrument Date	Apr 4, 2022
Instrument	2022-067332
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount 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
Relationship	Community Property with Right of Survivorship
Address	830 SANTA FE AVE, ALBANY, CA 94706-1824

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 23, 2018
Property Address	2849 STEPHEN DR, RICHMOND, CA 94803-2321
Document Number	0000044818
Map Reference	MB 55 PG 7
Instrument Date	Mar 16, 2018
Instrument	2018-044818
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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
Relationship	Community Property with Right of Survivorship
Address	1767 SONOMA AVE, BERKELEY, CA 94707-2548

Mortgage

Document Number	0000044819
Date	Mar 23, 2018
Instrument	2018-044819

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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		$1,195,002 (+2%) Land $573,688 Building $621,314
2025	$18,756.00 (+4.51%)	$1,171,572 (+4.04%) Land $562,440 Building $609,132
2023	$17,946.00 (+33.87%)	$1,126,080 Land $540,600 Building $585,480
2022	$13,406.00

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

Flood

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 6 (20% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	5 (1983–2011)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Apr 2011 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Mar 1998 · 2 claims

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

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	0.02% annual chance
Exposure	Indirect 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 546 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

May also be available: T-Mobile, Unwired, Verizon.

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