3225 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 3225 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 1952
Lot Size	0.256 acres (11,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$770,000 (Oct 2025)
Tax Bill	$4,105 (2025)
Deeds & Mortgages	May 2022 Reverse Mortgage May 2022 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`105-172-005-8`

Property Details

APN / Parcel Number

Primary APN	`105-172-005-8`
Alternative APN	`105-172-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	1,496 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1967
Lot Area	11,160 sqft (0.256 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3225 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 1
Legal Subdivision	HUNTLEIGH PARK 02
Legal Lot Number	1
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 14, 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	3225 COWELL RD, CONCORD, CA 94518-1420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
May 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
May 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Oct 27, 2025	Grant Deed, Transfer · Conventional Mortgage XPERT HOME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Apr 2, 1998 · Amount on Record
Deed Document Number	2025112868
Prior Transfer Date	Sep 9, 2014
Prior Transfer Doc	0000158349
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3225 COWELL RD, CONCORD, CA 94518-1420
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 COWELL RD, CONCORD, CA 94518-1420

Mortgage

Document Number	0000090883
Date	May 27, 2022
Instrument	2022-090883

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	EDMOND, OK 73013

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	862 Months
Due	Mar 30, 2094

Interest

Rate Type	Fixed Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Index	1-Year CMT
Max Rate	8.62%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3225 COWELL RD, CONCORD, CA 94518-1420
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 COWER ROAD, CONCORD, CA 94518

Mortgage

Document Number	0000090882
Date	May 27, 2022
Instrument	2022-090882

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	EDMOND, OK 73013

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	862 Months
Due	Mar 30, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.62%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3225 COWELL RD, CONCORD, CA 94518-1420
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3225 COWER ROAD, CONCORD, CA 94518

Mortgage

Document Number	0000090882
Date	May 27, 2022
Instrument	2022-090882

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	EDMOND, OK 73013

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	862 Months
Due	Mar 30, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.62%

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 27, 2025
Property Address	3225 COWELL RD, CONCORD, CA 94518-1420
Document Number	0000112868
Map Reference	VOL 45 PG 37
Instrument Date	Oct 17, 2025
Instrument	2025- 112868
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3225 COWELL RD, CONCORD, CA 94518-1420

Mortgage

Document Number	0000112869
Date	Oct 27, 2025
Instrument	2025- 112869

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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		$770,000 (+168.02%) Land $500,000 Building $270,000
2025	$4,105.00 (+22.43%)	$287,291 (+26.49%) Land $138,904 Building $148,387
2023	$3,353.00 (+2.01%) Homeowner's exemption	$227,117 Land $133,511 Building $93,606
2022	$3,287.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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