2913 Stephen Dr, Richmond (El Sobrante), CA 94803 Property Records

Contra Costa County property record for 2913 Stephen Dr, Richmond, CA 94803

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,811 sqft · built 1957
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Tax Bill	$3,837 (2025)
Deeds & Mortgages	Dec 2024 Reverse Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`431-151-011-1`

Property Details

APN / Parcel Number

Primary APN	`431-151-011-1`
Alternative APN	`431-151-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,811 sqft Living Area
Gross Area	2,315 sqft
1st Floor Area	1,198 sqft
Basement Area	613 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2913 STEPHEN DR
City	EL SOBRANTE
State	CA
Zip	94803-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 2203 LOT 372
Legal Subdivision	DEANZA VISTA UNIT #2
Legal Tract	2203
Legal Lot Number	372
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2001
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	2913 STEPHEN DR, EL SOBRANTE, CA 94803-2324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2024	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Oct 7, 2025	Intrafamily Transfer, Transfer
Oct 7, 2025	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 1, 2025
Transfer Doc	0000104817
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2913 STEPHEN DR, RICHMOND, CA 94803-2324
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 STEPHEN DR, RICHMOND, CA 94803-2324

Mortgage

Document Number	0000139166
Date	Dec 31, 2024
Instrument	2024- 139166

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	8023 E 63RD PL STE 700, TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	805 Months
Due	Jan 22, 2092

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 7, 2025
Property Address	2913 STEPHEN DR, RICHMOND, CA 94803-2324
Document Number	0000104818
Map Reference	MB 59 PG 20
Instrument Date	Sep 24, 2025
Instrument	2025- 104818
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 STEPHEN DR, EL SOBRANTE, CA 94803-2324

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 7, 2025
Property Address	2913 STEPHEN DR, RICHMOND, CA 94803-2324
Document Number	0000104817
Map Reference	MB 59 PG 20
Instrument Date	Sep 24, 2025
Instrument	2025- 104817
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 STEPHEN DR, EL SOBRANTE, CA 94803-2324

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		$193,142 (+2%) Land $97,684 Building $95,458
2025	$3,837.00 (+4.84%) Homeowner's exemption	$189,356 (+4.04%) Land $95,769 Building $93,587
2023	$3,660.00 (+1.92%) Homeowner's exemption	$182,004 Land $92,051 Building $89,953
2022	$3,591.00

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	0.01% annual chance
Exposure	None beyond 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 542 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
Verizon Fixed Wireless	300 / 20

May also be available: Sonic Telecom, T-Mobile, Unwired.

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