Contra Costa County property record for 3128 Esperanza Dr, Concord, CA 94519
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,578 sqft · built 1955 |
| Lot Size | 0.162 acres (7,072 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $735,000 (Mar 2026) |
| Tax Bill | $8,799 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Mar 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 111-145-003-5 |
| Primary APN | 111-145-003-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,578 sqft Living Area |
| 1st Floor Area | 1,170 sqft |
| 2nd Floor Area | 408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,072 sqft (0.162 acres) |
| Garage Type | Attached |
| Garage Area | 401 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3128 ESPERANZA DR |
|---|---|
| City | CONCORD |
| State | CA |
| Zip | 94519-2236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | TRACT 2085 LOT 1040 |
| Legal Subdivision | TRAER 2085 |
| Legal Tract | 2085 |
| Legal Lot Number | 1040 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 330000 |
Source: Contra Costa County records · APN 111-145-003-5
Assessment roll updated July 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 34316 MARJORAM LOOP, UNION CITY, CA 94587-8023 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Mar 09, 2026 | Grant Deed, Transfer · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP |
| Jun 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC |
| Mar 13, 2018 | Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 09, 2026 · Amount on Record |
| Deed Sale | Mar 09, 2026 · Amount on Record |
| Prior Sale | Mar 13, 2018 · Amount on Record |
| Deed Document Number | 202622917 |
| Prior Transfer Date | Nov 14, 2013 |
| Prior Transfer Doc | 0000273142 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 3128 ESPERANZA DR, CONCORD, CA 94519-2236 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Title Company | IN TITLE, FIN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3128 ESPERANZA DR, CONCORD, CA 94519-2236 |
| Document Number | 0000178284 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 2021-178284 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35282 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Mar 09, 2026 |
| Property Address | 3128 ESPERANZA DR, CONCORD, CA 94519-2236 |
| Document Number | 0000022917 |
| Map Reference | MB 56 PG 24 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 2026- 022917 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Title Company | OUR TITLE AND ESCROW COMPANY, UPWARD TITLE & ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 34316 MARJORAM LOOP, UNION CITY, CA 94587-8023 |
| Document Number | 0000022918 |
|---|---|
| Date | Mar 09, 2026 |
| Instrument | 2026- 022918 |
| Name | GENERAL MORTGAGE CAPITAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5% |
| Max Rate At Change | 8.25% |
| Index | Other |
| Margin | 5 |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 3128 ESPERANZA DR, CONCORD, CA 94519-2236 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2022 |
| Title Company | FATCO MORT SERVICES DIVISION |
| Name | Verified Name |
|---|
| Document Number | 0000097841 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 2019-097841 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Mar 13, 2018 |
| Property Address | 3128 ESPERANZA DR, CONCORD, CA 94519-2236 |
| Document Number | 0000038589 |
| Map Reference | MB 56 PG 24 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 2018-038589 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3128 ESPERANZA DR, CONCORD, CA 94519-2236 |
| Document Number | 0000038590 |
|---|---|
| Date | Mar 13, 2018 |
| Instrument | 2018-038590 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
Source: Contra Costa County records · Assessment roll updated July 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Concord City |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $719,558 (+2%) Land $458,661 Building $260,897 | |
| 2025 | $8,799.00 (+4.5%) | $705,450 (+4.04%) Land $449,668 Building $255,782 |
| 2023 | $8,420.00 (+1.31%) | $678,057 Land $432,207 Building $245,850 |
| 2022 | $8,311.00 |
Source: FEMA National Flood Hazard Layer as of October 12, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sonic Telecom Fiber | 10,000 / 10,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Unwired Fixed Wireless | 300 / 25 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 715 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CONTRA COSTA WATER DISTRICT serves 210,500 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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