3403 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 3403 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,461 sqft · built 1952
Lot Size	0.219 acres (9,520 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Aug 2019)
Tax Bill	$8,806 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-153-030-9`

Property Details

APN / Parcel Number

Primary APN	`105-153-030-9`
Alternative APN	`105-153-030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,461 sqft Living Area
1st Floor Area	1,461 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	9,520 sqft (0.219 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3403 COWELL RD
City	CONCORD
State	CA
Zip	94518-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	F GALINDO EST POR LOT 14
Legal Subdivision	FRANCISCO GALINDO
Legal Lot Number	14
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1013
Census Tract	335000

Owner

3403 Cowell Rd is owned and occupied by two individuals who bought it in August 2019.

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 File
Mailing Address	3403 COWELL RD, CONCORD, CA 94518-1503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 16, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Aug 9, 2019	Grant Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2019 · Amount on File
Deed Sale	Aug 9, 2019 · Amount on File
Prior Sale	Jan 21, 2009 · Amount on File
Deed Document Number	2019126494
Prior Transfer Date	Mar 24, 2009
Prior Transfer Doc	0000075990
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3403 COWELL RD, CONCORD, CA 94518-1503
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3403 COWELL RD, CONCORD, CA 94518-1503

Mortgage

Document Number	0000150078
Date	Oct 5, 2022
Instrument	2022-150078

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3403 COWELL RD, CONCORD, CA 94518-1503
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000141963
Date	Jul 16, 2020
Instrument	2020-141963

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 9, 2019
Property Address	3403 COWELL RD, CONCORD, CA 94518-1503
Document Number	0000126494
Map Reference	MB F PG 128
Instrument Date	Aug 8, 2019
Instrument	2019-126494
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount 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	Community Property with Right of Survivorship
Address	3403 COWELL RD, CONCORD, CA 94518-1503

Mortgage

Document Number	0000126495
Date	Aug 9, 2019
Instrument	2019-126495

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3403 Cowell Rd was $8,806.

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		$641,418 (+2%) Land $446,205 Building $195,213
2025	$8,806.00	$628,842 Land $437,456 Building $191,386
2023	$8,364.00 (+1.75%)	$604,425 Land $420,470 Building $183,955
2022	$8,220.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3403 Cowell Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	2 (1996–1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 3403 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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