3645 Otter Brook Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 3645 Otter Brook Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,536 sqft · built 2003
Lot Size	0.146 acres (6,357 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Nov 2025)
Tax Bill	$7,651 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`011-430-007-2`

Property Details

APN / Parcel Number

Primary APN	`011-430-007-2`
Alternative APN	`011-430-007`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,536 sqft Living Area
1st Floor Area	1,740 sqft
2nd Floor Area	1,796 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cluster
Lot Area	6,357 sqft (0.146 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	3645 OTTER BROOK LOOP
City	DISCOVERY BAY
State	CA
Zip	94505-1844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T8428 L7
Legal Subdivision	8428 LAKESHORE 2
Legal Tract	8428
Legal Lot Number	7
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	3
Census Block	3001
Census Tract	304007

Owner

Source: Contra Costa County records · APN 011-430-007-2

Assessment roll updated July 14, 2026 · Last verified July 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 File
Mailing Address	3645 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 20, 2025 · Amount on Record
Deed Sale	Nov 20, 2025 · Amount on Record
Prior Sale	Apr 04, 2013 · Amount on Record
Deed Document Number	2025131036
Prior Transfer Date	Mar 20, 2013
Prior Transfer Doc	0000084277
Record Updated	Sep 20, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 20, 2025
Property Address	3645 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844
Document Number	0000131036
Map Reference	MB 436 PG 10
Instrument Date	Nov 17, 2025
Instrument	2025- 131036
Transaction Type	Transfer
Record Updated	Dec 02, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	3645 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844

Mortgage

Document Number	0000131037
Date	Nov 20, 2025
Instrument	2025- 131037

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Tax Assessment & Valuation

Source: Contra Costa County records · Assessment roll updated July 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$750,000 (+50.39%) Land $155,000 Building $595,000
2025	$7,651.00 (+7.02%)	$498,718 (+4.04%) Land $55,409 Building $443,309
2023	$7,149.00 (+1.68%)	$479,354 Land $53,258 Building $426,096
2022	$7,031.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Contra Costa County (06013C), as of October 12, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060133040073, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA.

Based on FCC filings for 226 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system CA0710009, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF DISCOVERY BAY serves 16,790 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.