3402 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 3402 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,448 sqft · built 1947
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Oct 2023)
Tax Bill	$9,342 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`130-090-014-7`

Property Details

APN / Parcel Number

Primary APN	`130-090-014-7`
Alternative APN	`130-090-014`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
1st Floor Area	1,448 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1990
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3402 COWELL RD
City	CONCORD
State	CA
Zip	94518-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	RIDGE PARK POR LOT 33
Legal Subdivision	RIDGE PARK
Legal Lot Number	33
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2006
Census Tract	337100

Owner

3402 Cowell Rd is owned and occupied by two individuals who bought it in October 2023.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3402 COWELL RD, CONCORD, CA 94518-1504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 30, 2023	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 29, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on File
Deed Sale	Oct 30, 2023 · Amount on File
Prior Sale	Nov 7, 2000 · Amount on File
Deed Document Number	2023116799
Prior Transfer Date	Oct 17, 2019
Prior Transfer Doc	0000190668
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3402 COWELL RD, CONCORD, CA 94518-1504
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3402 COWELL RD, CONCORD, CA 94518-1504

Mortgage

Document Number	0000031256
Date	Mar 30, 2026
Instrument	2026- 031256

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE, CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 30, 2023
Property Address	3402 COWELL RD, CONCORD, CA 94518-1504
Document Number	0000116799
Map Reference	MB 8 PG 186
Instrument Date	Oct 12, 2023
Instrument	2023-116799
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	3402 COWELL RD, CONCORD, CA 94518-1504

Mortgage

Document Number	0000116800
Date	Oct 30, 2023
Instrument	2023-116800

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 29, 2019
Property Address	3402 COWELL RD, CONCORD, CA 94518-1504
Document Number	0000190668
Instrument Date	Oct 17, 2019
Instrument	190668
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3402 COWELL RD CONCORD CA 945181504, CONCORD, CA 94518-1504

Tax Assessment & Valuation

The 2025 property tax bill for 3402 Cowell Rd was $9,342.

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		$769,896 (+2%) Land $509,796 Building $260,100
2025	$9,342.00	$754,800 Land $499,800 Building $255,000
2023	$4,236.00 (+1.75%) Homeowner's exemption	$306,993 Land $188,273 Building $118,720
2022	$4,163.00

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

FEMA maps place 3402 Cowell Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3402 Cowell Rd is low, with less than a 0.01% annual chance of 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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