3386 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 3386 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,146 sqft · built 1938
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Company Names on Record
Last Sale	$805,000 (Oct 2026)
Tax Bill	$5,980 (2025)
Deeds & Mortgages	Oct 2026 Sale May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`130-040-006-4`

Property Details

APN / Parcel Number

Primary APN	`130-040-006-4`
Alternative APN	`130-040-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,146 sqft Living Area
1st Floor Area	1,396 sqft
2nd Floor Area	750 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1939
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3386 COWELL RD
City	CONCORD
State	CA
Zip	94518-1445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	RIDGE PARK POR LOT 23
Legal Subdivision	RIDGE PARK
Legal Lot Number	23
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2017
Census Tract	337100

Owner

Source: Contra Costa County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3386 COWELL RD, CONCORD, CA 94518-1445
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage OPTION FUNDING INC
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2026 · Amount on Record
Deed Sale	Oct 13, 2026 · Amount on Record
Prior Sale	Sep 24, 2010 · Amount on Record
Deed Document Number	2026109629
Prior Transfer Date	Dec 9, 2009
Prior Transfer Doc	0000291975
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 13, 2026
Property Address	3386 COWELL RD, CONCORD, CA 94518-1445
Document Number	0000109629
Instrument Date	Oct 5, 2026
Instrument	2026109629
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Amount	Amount Recorded
Tax	$89,435.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	3386 COWELL RD, CONCORD, CA 94518-1445

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3386 COWELL RD, CONCORD, CA 94518-1445
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077337
Date	May 16, 2018
Instrument	2018-077337

Lender

Name	OPTION FUNDING INC
Type	Lending Institution
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3386 COWELL RD, CONCORD, CA 94518-1445
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMER TTL CO GLENDALE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3386 COWELL RD, CONCORD, CA 94518-1445

Mortgage

Document Number	0000091004
Date	Mar 25, 2021
Instrument	2021-091004

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

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

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		$463,901 (+2%) Land $378,966 Building $84,935
2025	$5,980.00 (+4.88%) Homeowner's exemption	$454,806 (+4.04%) Land $371,536 Building $83,270
2023	$5,702.00 (+1.51%) Homeowner's exemption	$437,147 Land $357,109 Building $80,038
2022	$5,617.00

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (1983–2012)
Most Recent Claim	Dec 2012 · other causes

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	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 437 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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