3656 Otter Brook Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 3656 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	0.141 acres (6,156 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Mar 2024)
Tax Bill	$12,248 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`011-430-072-6`

Property Details

APN / Parcel Number

Primary APN	`011-430-072-6`
Alternative APN	`011-430-072`

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 2012
Architectural Style	Cluster
Lot Area	6,156 sqft (0.141 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	3656 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 L72
Legal Subdivision	SUBDIVISION 8428
Legal Tract	8428
Legal Lot Number	72
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	2 Individual Names on Record
Mailing Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 15, 2024	Grant Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Jun 21, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 23, 2020	Grant Deed, Transfer · Conventional Mortgage WESTERN EXPRESS LENDING
Apr 22, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2024 · Amount on Record
Deed Sale	Mar 15, 2024 · Amount on Record
Prior Sale	Nov 23, 2020 · Amount on Record
Deed Document Number	202424292
Prior Transfer Date	Feb 23, 2015
Prior Transfer Doc	0000034888
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 18, 2025
Property Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000141066
Map Reference	MB 436 PG 10
Instrument Date	Dec 10, 2025
Instrument	2025- 141066
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000141067
Date	Dec 18, 2025
Instrument	2025- 141067

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 15, 2024
Property Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000024292
Map Reference	MB 436 PG 10
Instrument Date	Mar 11, 2024
Instrument	2024-024292
Transaction Type	Transfer
Record Updated	Mar 26, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000024293
Date	Mar 15, 2024
Instrument	2024-024293

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099008
Date	Jun 21, 2018
Instrument	2018-099008

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 23, 2020
Property Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000284704
Map Reference	MB 436 PG 10
Instrument Date	Nov 17, 2020
Instrument	2020-284704
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

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	Joint Tenants
Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000284705
Date	Nov 23, 2020
Instrument	2020-284705

Lender

Name	WESTERN EXPRESS LENDING
Type	Mortgage Company

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3656 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000080958
Instrument Date	Apr 22, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3656 OTTER BROOK LOOP DISCOVERY BAY CA 945051843, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000080958
Date	May 10, 2017
Instrument	80958

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$936,360 (+2%) Land $187,272 Building $749,088
2025	$12,248.00 (+11.51%)	$918,000 (+10.31%) Land $183,600 Building $734,400
2023	$10,984.00 (+1.65%)	$832,215 Land $135,252 Building $696,963
2022	$10,806.00

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 AE, 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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