2981 Prospect St, Concord, CA 94518 Property Records

Contra Costa County property record for 2981 Prospect St, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,023 sqft · built 1943
Lot Size	0.144 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$436,000 (Jun 2019)
Tax Bill	$6,381 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`105-024-013-2`

Property Details

APN / Parcel Number

Primary APN	`105-024-013-2`
Alternative APN	`105-024-013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,023 sqft Living Area
1st Floor Area	1,023 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2981 PROSPECT ST
City	CONCORD
State	CA
Zip	94518-1050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	DORIS COURT ADD LOT 13 BLK 12
Legal Subdivision	DORIS COURT ADD
Legal Block	12
Legal Lot Number	13
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3018
Census Tract	335000

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	2981 PROSPECT ST, CONCORD, CA 94518-1050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU
Jun 5, 2019	Grant Deed, Transfer · Conventional with PMI SUPREME LNDG
Feb 23, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2019 · Amount on Record
Deed Sale	Jun 5, 2019 · Amount on Record
Prior Sale	Jul 30, 2009 · Amount on Record
Deed Document Number	201983021
Prior Transfer Date	Dec 21, 1995
Prior Transfer Doc	0000001560
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2981 PROSPECT ST, CONCORD, CA 94518-1050
Transaction Type	Mortgage
Record Updated	May 9, 2024
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 PROSPECT ST, CONCORD, CA 94518-1050

Mortgage

Document Number	0000040094
Date	Apr 30, 2024
Instrument	2024-040094

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2981 PROSPECT ST, CONCORD, CA 94518-1050
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 PROSPECT ST, CONCORD, CA 94518-1050

Mortgage

Document Number	0000124627
Date	Apr 26, 2021
Instrument	2021-124627

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	2981 PROSPECT ST, CONCORD, CA 94518-1050
Document Number	0000038556
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 PROSPECT ST CONCORD CA 945181050, CONCORD, CA 94518-1050

Mortgage

Document Number	0000038556
Date	Feb 28, 2020
Instrument	38556

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 5, 2019
Property Address	2981 PROSPECT ST, CONCORD, CA 94518-1050
Document Number	0000083021
Instrument Date	Jun 2, 2019
Instrument	83021
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$479.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 PROSPECT AVE CONCORD CA 945181050, CONCORD, CA 94518-1050

Mortgage

Document Number	83022
Date	Jun 5, 2019
Instrument	83022

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 23, 2018
Property Address	2981 PROSPECT ST, CONCORD, CA 94518-1050
Document Number	0000028155
Map Reference	MB 9 PG 205
Instrument Date	Feb 20, 2018
Instrument	2018-028155
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2981 PROSPECT AVE, CONCORD, CA 94518-1050

Mortgage

Document Number	0000028156
Date	Feb 23, 2018
Instrument	2018-028156

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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	Concord City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$496,085 (+2%) Land $386,857 Building $109,228
2025	$6,381.00 (+4.78%)	$486,359 (+4.04%) Land $379,272 Building $107,087
2023	$6,090.00 (+1.45%)	$467,476 Land $364,546 Building $102,930
2022	$6,003.00

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
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2003 · rainfall accumulation

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	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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 672 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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