2871 Stephen Dr, Richmond (El Sobrante), CA 94803 Property Records

Contra Costa County property record for 2871 Stephen Dr, Richmond, CA 94803

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,794 sqft · built 1955
Lot Size	0.253 acres (11,000 sqft)
Owner	Individual Name on Record
Last Sale	$800,000 (Sep 2025)
Tax Bill	$4,342 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`431-142-039-4`

Property Details

APN / Parcel Number

Primary APN	`431-142-039-4`
Alternative APN	`431-142-039`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
1st Floor Area	1,116 sqft
Basement Area	678 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	11,000 sqft (0.253 acres)
Garage Type	Attached
Garage Area	275 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2871 STEPHEN DR
City	EL SOBRANTE
State	CA
Zip	94803-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2088 403
Legal Subdivision	TRACT 2088
Legal Tract	2088
Legal Lot Number	403
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2871 STEPHEN DR, EL SOBRANTE, CA 94803-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Sep 29, 2025	Grant Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Feb 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Deed Document Number	2025101638
Prior Transfer Date	Jul 1, 2016
Prior Transfer Doc	0000141910
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2871 STEPHEN DR, RICHMOND, CA 94803-2321
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2871 STEPHEN DR, RICHMOND, CA 94803-2321
Investor	Possibly a Property Investor

Mortgage

Document Number	0000186596
Date	Jun 29, 2021
Instrument	2021-186596

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 29, 2025
Property Address	2871 STEPHEN DR, RICHMOND, CA 94803-2321
Document Number	0000101638
Map Reference	VOL 55 PG 7
Instrument Date	Sep 3, 2025
Instrument	2025- 101638
Transaction Type	Transfer
Record Updated	Oct 8, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2871 STEPHEN DR, RICHMOND, CA 94803-2321

Mortgage

Document Number	0000101639
Date	Sep 29, 2025
Instrument	2025- 101639

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2871 STEPHEN DR, RICHMOND, CA 94803-2321
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	LSI TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023453
Date	Feb 6, 2017
Instrument	2017-023453

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Nov 1, 2031

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		$800,000 (+255.66%) Land $550,000 Building $250,000
2025	$4,342.00 (+4.78%) Homeowner's exemption	$224,935 (+4.04%) Land $121,960 Building $102,975
2023	$4,144.00 (+1.82%) Homeowner's exemption	$216,202 Land $117,225 Building $98,977
2022	$4,070.00

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.

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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