3045 Rancho Bernado Dr, Bay Point (Pittsburg), CA 94565 Property Records

Contra Costa County property record for 3045 Rancho Bernado Dr, Bay Point, CA 94565

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,535 sqft · built 2012
Lot Size	0.12 acres (5,215 sqft)
Owner	2 Individual Names on Record
Last Sale	$381,500 (Apr 2012)
Tax Bill	$9,483 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`091-220-001-1`

Property Details

APN / Parcel Number

Primary APN	`091-220-001-1`
Alternative APNs	`091-220-001` `0978900017`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,535 sqft Living Area
1st Floor Area	1,225 sqft
2nd Floor Area	1,310 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	5,215 sqft (0.12 acres)
Garage Type	Attached
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3045 RANCHO BERNADO DR
City	PITTSBURG
State	CA
Zip	94565-7689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T9277 L11
Legal Subdivision	SUBDIVISION 9277
Legal Tract	9277
Legal Lot Number	11
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2010
Census Tract	355202

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	2 Individual Names on Record
Mailing Address	3045 RANCHO BERNADO DR, PITTSBURG, CA 94565-7689
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 14, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2012 · Amount on Record
Deed Sale	Apr 13, 2012 · Amount on Record
Deed Document Number	201285137
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3045 RANCHO BERNADO DR, BAY POINT, CA 94565-7689
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000133498
Date	Jul 7, 2020
Instrument	2020-133498

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	263 Months
Due	Jun 1, 2042

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3045 RANCHO BERNADO DR, BAY POINT, CA 94565-7689
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 RANCHO BERNADO DR, BAY POINT, CA 94565-7689

Mortgage

Document Number	0000009396
Date	Jan 14, 2022
Instrument	2022-009396

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

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	Pittsburg City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$488,244 (+2%) Land $64,051 Building $424,193
2025	$9,483.00 (+4.95%) Homeowner's exemption	$478,672 (+4.04%) Land $62,796 Building $415,876
2023	$9,036.00 (+1.53%) Homeowner's exemption	$460,086 Land $60,358 Building $399,728
2022	$8,900.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% 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	CITY OF PITTSBURG serves 62,500 people · EPA ID CA0710008
Water Source	Purchased surface water from CONTRA COSTA WATER DISTRICT
Last State Inspection	Apr 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 578 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Unwired.

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