Contra Costa County property record for 2978 Cherry Ln, Walnut Creek, CA 94597
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,352 sqft · built 1979 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,265,000 (May 2019) |
| Tax Bill | $16,570 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 148-160-035-9 |
| Primary APN | 148-160-035-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,352 sqft Living Area |
| 1st Floor Area | 2,352 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1984 |
| Lot Area | 15,000 sqft (0.344 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 2978 CHERRY LN |
|---|---|
| City | WALNUT CREEK |
| State | CA |
| Zip | 94597-2115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | PCL MAP 53 PG 3 POR PCL B |
| Legal Tract | 53PM3 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 338203 |
2978 Cherry Ln is owned and occupied by two individuals who bought it in May 2019.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2978 CHERRY LN, WALNUT CREEK, CA 94597-2115 |
| 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.
| Date | Document |
|---|---|
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| May 28, 2019 | Grant Deed, Transfer · ARM MIDWEST EQUITY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2019 · Amount on File |
| Deed Sale | May 28, 2019 · Amount on File |
| Deed Document Number | 201977425 |
| Prior Transfer Date | Apr 24, 2002 |
| Prior Transfer Doc | 0000163065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 2978 CHERRY LN, WALNUT CREEK, CA 94597-2115 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2978 CHERRY LN, WALNUT CREEK, CA 94597-2115 |
| Document Number | 0000268758 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 2020-268758 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | May 28, 2019 |
| Property Address | 2978 CHERRY LN, WALNUT CREEK, CA 94597-2115 |
| Document Number | 0000077425 |
| Map Reference | MB 53 PG 3 |
| Instrument Date | May 16, 2019 |
| Instrument | 2019-077425 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | Community Property |
| Address | 2978 CHERRY LN, WALNUT CREEK, CA 94597-2115 |
| Document Number | 0000077426 |
|---|---|
| Date | May 28, 2019 |
| Instrument | 2019-077426 |
| Name | MIDWEST EQUITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
The 2025 property tax bill for 2978 Cherry Ln was $16,570 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Secondary School District | Acalanes Union High School District (09 - 12) |
| Elementary School District | Walnut Creek Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,439,347 (+2%) Land $802,166 Building $637,181 | |
| 2025 | $16,570.00 Homeowner's exemption | $1,411,126 Land $786,438 Building $624,688 |
| 2023 | $15,958.00 (+2.28%) Homeowner's exemption | $1,356,332 Land $755,900 Building $600,432 |
| 2022 | $15,602.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2978 Cherry Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 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 risk around 2978 Cherry Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.4% of California |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CONTRA COSTA WATER DISTRICT serves 210,500 people · EPA ID CA0710003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2022 |
| Lead | Under 1 ppb (2026–2028) 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 368 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 · Fiber in parts of the area | 2,000 / 250 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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