3207 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 3207 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,087 sqft · built 1952
Lot Size	0.224 acres (9,765 sqft)
Owner	2 Individual Names on Record
Last Sale	$458,000 (Nov 2016)
Tax Bill	$6,802 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`105-172-002-5`

Property Details

APN / Parcel Number

Primary APN	`105-172-002-5`
Alternative APN	`105-172-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,087 sqft Living Area
1st Floor Area	1,087 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1975
Lot Area	9,765 sqft (0.224 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3207 COWELL RD
City	CONCORD
State	CA
Zip	94518-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	HUNTLEIGH PARK LOT 4
Legal Subdivision	HUNTLEIGH PARK
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2000
Census Tract	335000

Owner

Source: Contra Costa County records, as of July 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3207 COWELL RD, CONCORD, CA 94518-1420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN FRANCISCO FCU
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Aug 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2016 · Amount on Record
Deed Sale	Nov 9, 2016 · Amount on Record
Prior Sale	Sep 10, 2010 · Amount on Record
Deed Document Number	2016243219
Prior Transfer Date	Aug 19, 2010
Prior Transfer Doc	0000192557
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3207 COWELL RD, CONCORD, CA 94518-1420
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	BOSTON NATIONAL TITLE LLC, BOSTON NATIONAL TITLE L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 COWELL RD, CONCORD, CA 94518-1420

Mortgage

Document Number	0000031543
Date	Feb 2, 2021
Instrument	2021-031543

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3207 COWELL RD, CONCORD, CA 94518-1420
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 COWELL RD, CONCORD, CA 94518-1420

Mortgage

Document Number	0000272144
Date	Oct 1, 2021
Instrument	2021-272144

Lender

Name	SAN FRANCISCO FCU
Type	Credit Union
Address	SAN FRANCISCO, CA 94102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3207 COWELL RD, CONCORD, CA 94518-1420
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 COWELL RD, CONCORD, CA 94518-1420

Mortgage

Document Number	0000010803
Date	Feb 7, 2023
Instrument	2023-010803

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3207 COWELL RD, CONCORD, CA 94518-1420
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	STEWART TITLE CO ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000172109
Date	Oct 10, 2019
Instrument	2019-172109

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3207 COWELL RD, CONCORD, CA 94518-1420
Document Number	0000141452
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3207 COWELL RD CONCORD CA 945181420, CONCORD, CA 94518-1420

Mortgage

Document Number	0000141452
Date	Sep 4, 2018
Instrument	141452

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 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		$542,171 (+2%) Land $411,957 Building $130,214
2025	$6,802.00 (+4.76%) Homeowner's exemption	$531,541 (+4.04%) Land $403,880 Building $127,661
2023	$6,493.00 (+1.45%) Homeowner's exemption	$510,902 Land $388,198 Building $122,704
2022	$6,400.00

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
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1980–1998)
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding
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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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