3539 Cardinal Dr, Concord, CA 94520 Property Records

Contra Costa County property record for 3539 Cardinal Dr, Concord, CA 94520

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,260 sqft · built 1962
Lot Size	0.137 acres (5,978 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Nov 2022)
Tax Bill	$9,509 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`110-372-009-8`

Property Details

APN / Parcel Number

Primary APN	`110-372-009-8`
Alternative APN	`110-372-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1980
Lot Area	5,978 sqft (0.137 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3539 CARDINAL DR
City	CONCORD
State	CA
Zip	94520-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	TRACT 3054 LOT 95 EX POR MR
Legal Subdivision	SUBDIVISION 3054
Legal Tract	3054
Legal Lot Number	95
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1012
Census Tract	329000

Owner

3539 Cardinal Dr is owned and occupied by two individuals who bought it in November 2022.

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	3539 CARDINAL DR, CONCORD, CA 94520-1501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Nov 10, 2022	Grant Deed, Transfer · Conventional Mortgage NFM CONSULTANTS INC
Sep 27, 2022	Grant Deed, Transfer NOT AVAILABLE, HOMELIGHT TITLE & ESCROW CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2022 · Amount on File
Deed Sale	Nov 10, 2022 · Amount on File
Prior Sale	Sep 27, 2022 · Amount on File
Deed Document Number	2022172470
Prior Transfer Date	Apr 4, 2011
Prior Transfer Doc	0000069021
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3539 CARDINAL DR, CONCORD, CA 94520-1501
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 CARDINAL DR, CONCORD, CA 94520-1501

Mortgage

Document Number	0000104320
Date	Oct 6, 2025
Instrument	2025- 104320

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR, IRVINE, CA 92618

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3539 CARDINAL DR, CONCORD, CA 94520-1501
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TIITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 CARDINAL DR, CONCORD, CA 94520-1501

Mortgage

Document Number	0000277757
Date	Nov 18, 2020
Instrument	2020-277757

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 10, 2022
Property Address	3539 CARDINAL DR, CONCORD, CA 94520-1501
Document Number	0000172470
Map Reference	MB 86 PG 38
Instrument Date	Nov 2, 2022
Instrument	2022-172470
Transaction Type	Transfer
Record Updated	Nov 18, 2022
Title Company	NOT AVAILABLE, HOMELIGHT TITLE & ESCROW CO

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	Community Property with Right of Survivorship
Address	3539 CARDINAL DR, CONCORD, CA 94520-1501

Mortgage

Document Number	0000172471
Date	Nov 10, 2022
Instrument	2022-172471

Lender

Name	NFM CONSULTANTS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 27, 2022
Property Address	3539 CARDINAL DR, CONCORD, CA 94520-1501
Document Number	0000144219
Map Reference	MB 86 PG 38
Instrument Date	Aug 22, 2022
Instrument	2022-144219
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	NOT AVAILABLE, HOMELIGHT TITLE & ESCROW CO

Transaction

Amount	Amount 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
Address	1375 N SCOTTSDALE RD STE 140, 140, SCOTTSDALE, AZ 85257-3413
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3539 Cardinal Dr was $9,509.

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		$785,293 (+2%) Land $562,440 Building $222,853
2025	$9,509.00	$769,896 Land $551,412 Building $218,484
2023	$9,104.00 (+35.21%)	$740,000 Land $530,000 Building $210,000
2022	$6,733.00

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

Flood

FEMA maps place 3539 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1998 · rainfall accumulation

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

The area around 3539 Cardinal Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 762 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, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Cardinal Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures