345 40th St, Richmond, CA 94805 Property Records

Contra Costa County property record for 345 40th St, Richmond, CA 94805

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 772 sqft · built 1923
Lot Size	0.067 acres (2,904 sqft)
Owner	Individual Name on Record
Last Sale	$468,000 (Aug 2018)
Tax Bill	$8,827 (2025)
Deeds & Mortgages	Oct 2018 Reverse Mortgage Jun 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`517-211-004`

Property Details

APN / Parcel Number

Primary APN	`517-211-004`
Alternative APN	`517-211-004-0`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	772 sqft Living Area
1st Floor Area	772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1965
Lot Area	2,904 sqft (0.067 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	345 40TH ST
City	RICHMOND
State	CA
Zip	94805-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SPAULD RICH PUL TWNST PR LTS 15-18 BLK 3
Legal Subdivision	SPAULDING RICHMOND-PULLMAN TOW
Legal Block	3
Legal Lot Number	15-18
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	4
Census Block	4016
Census Tract	371000

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	345 40TH ST, RICHMOND, CA 94805-2217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2018	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jun 12, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
Jun 12, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 27, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 3, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE
Feb 8, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE
Feb 8, 2018	Grant Deed, Transfer OLD REPUBLIC TITLE
Apr 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2018 · Amount on Record
Deed Sale	Aug 3, 2018 · Amount on Record
Prior Sale	Feb 8, 2018 · Amount on Record
Deed Document Number	2018123986
Prior Transfer Date	Apr 6, 2017
Prior Transfer Doc	0000064292
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000158306
Date	Oct 4, 2018
Instrument	2018-158306

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.15%
Type Change Date	Oct 1, 2019
Change Frequency	Annually
Index	1-Year LIBOR

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Document Number	0000125110
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 40TH ST RICHMOND CA 948052217, RICHMOND, CA 94805-2217

Mortgage

Document Number	0000125110
Date	Jun 26, 2020
Instrument	125110

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	2.38%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Document Number	0000125111
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 40TH ST RICHMOND CA 948052217, RICHMOND, CA 94805-2217

Mortgage

Document Number	0000125111
Date	Jun 26, 2020
Instrument	125111

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	2.38%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Document Number	0000158307
Instrument Date	Sep 27, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 40TH ST RICHMOND CA 948052217, RICHMOND, CA 94805-2217

Mortgage

Document Number	0000158307
Date	Oct 4, 2018
Instrument	158307

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	5.15%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 3, 2018
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Document Number	0000123986
Instrument Date	Aug 2, 2018
Instrument	123986
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$514.80
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 40TH ST RICHMOND CA 948052217, RICHMOND, CA 94805-2217

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 8, 2018
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Document Number	0000020334
Instrument Date	Feb 6, 2018
Instrument	20334
Transaction Type	Transfer
Record Updated	Feb 18, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$352.00
Amount Accuracy	Full Value
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1212 EVERETT ST EL CERRITO CA 945302435, EL CERRITO, CA 94530-2435

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 8, 2018
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Document Number	0000020334
Instrument Date	Feb 6, 2018
Instrument	20334
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$352.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1212 EVERETT ST EL CERRITO CA 945302435, EL CERRITO, CA 94530-2435

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 13, 2017
Property Address	345 40TH ST, RICHMOND, CA 94805-2217
Document Number	0000064292
Instrument Date	Apr 6, 2017
Instrument	64292
Transaction Type	Transfer
Record Updated	Apr 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4935 BUFFALO DR STAGECOACH NV 894299535, STAGECOACH, NV 89429-9535

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	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$533,948 (+2%) Land $398,237 Building $135,711
2025	$8,827.00 (+3.64%) Homeowner's exemption	$523,479 (+4.04%) Land $390,429 Building $133,050
2023	$8,517.00 (+1.84%) Homeowner's exemption	$503,154 Land $375,269 Building $127,885
2022	$8,363.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 949 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks.

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