3638 Otter Brook Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 3638 Otter Brook Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,272 sqft · built 2003
Lot Size	0.139 acres (6,067 sqft)
Owner	Individual Name on Record
Last Sale	$850,000 (Dec 2025)
Tax Bill	$13,062 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`011-430-075-9`

Property Details

APN / Parcel Number

Primary APN	`011-430-075-9`
Alternative APN	`011-430-075`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,272 sqft Living Area
1st Floor Area	1,739 sqft
2nd Floor Area	1,533 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Architectural Style	Cluster
Lot Area	6,067 sqft (0.139 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	957 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3638 OTTER BROOK LOOP
City	DISCOVERY BAY
State	CA
Zip	94505-1843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T8428 L75
Legal Subdivision	SUBDIVISION 8428
Legal Tract	8428
Legal Lot Number	75
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	3
Census Block	3004
Census Tract	304007

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	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Grant Deed, Transfer · Conventional Mortgage THE TURNKEY FOUNDATION INC
Oct 3, 2022	Grant Deed, Transfer · Conventional Mortgage BETHPAGE FCU
Jan 6, 2021	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Jan 6, 2021	Intrafamily Transfer, Transfer · VA Mortgage CALIBER HOME LOANS INC
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2025 · Amount on Record
Deed Sale	Dec 1, 2025 · Amount on Record
Prior Sale	Oct 3, 2022 · Amount on Record
Deed Document Number	2025134177
Prior Transfer Date	Dec 24, 2020
Prior Transfer Doc	0000003001
Record Updated	Sep 20, 2026

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 1, 2025
Property Address	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000134177
Map Reference	MB 436 PG 10
Instrument Date	Nov 24, 2025
Instrument	2025- 134177
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000134178
Date	Dec 1, 2025
Instrument	2025- 134178

Lender

Name	THE TURNKEY FOUNDATION INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 3, 2022
Property Address	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000148962
Map Reference	MB 436 PG 10
Instrument Date	Sep 26, 2022
Instrument	2022-148962
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000148963
Date	Oct 3, 2022
Instrument	2022-148963

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	9.62%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 6, 2021
Property Address	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000003003
Instrument Date	Dec 24, 2020
Instrument	3003
Transaction Type	Transfer
Record Updated	Jan 15, 2021
Title Company	OLD REPUBLIC TITLE

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	3638 OTTER BROOK LOOP DISCOVERY BAY CA 945051843, DISCOVERY BAY, CA 94505-1843

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 6, 2021
Property Address	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000003001
Map Reference	MB 436 PG 10
Instrument Date	Dec 24, 2020
Instrument	2021-003001
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000003002
Date	Jan 6, 2021
Instrument	2021-003002

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3638 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000078917
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3638 OTTER BROOK LOOP DISCOVERY BAY CA 945051843, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000078917
Date	Apr 27, 2020
Instrument	78917

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	DANVILLE, CA 94526

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Elementary School District	Byron Union Elementary School District (KG - 08)
Secondary School District	Liberty Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$850,000 (-14.33%) Land $150,000 Building $700,000
2025	$13,062.00 (+6.15%)	$992,229 (+4.04%) Land $249,696 Building $742,533
2023	$12,305.00 (+97.64%)	$953,700 Land $240,000 Building $713,700
2022	$6,226.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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	TOWN OF DISCOVERY BAY serves 16,790 people · EPA ID CA0710009
Water Source	Groundwater
Last State Inspection	Mar 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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