3681 Otter Brook Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 3681 Otter Brook Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,732 sqft · built 2003
Lot Size	0.295 acres (12,866 sqft)
Owner	Trust Name on File
Last Sale	$675,000 (Jul 2019)
Tax Bill	$10,277 (2025)
Deeds & Mortgages	May 2022 Transfer Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`011-430-013`

Property Details

APN / Parcel Number

Primary APN	`011-430-013`
Alternative APN	`011-430-013-0`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,732 sqft Living Area
1st Floor Area	1,872 sqft
2nd Floor Area	1,860 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	12,866 sqft (0.295 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	604 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3681 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 L13
Legal Subdivision	SUBDIVISION 8428
Legal Tract	8428
Legal Lot Number	13
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	3
Census Block	3001
Census Tract	304007

Owner

3681 Otter Brook Loop is owner-occupied and held in a trust since May 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	Trust Name on File
Mailing Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Sep 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARROLLTON BANK
Jul 5, 2019	Grant Deed, Transfer · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jun 29, 2018	Grant Deed, Transfer · ARM ADVANCIAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2019 · Amount on File
Deed Sale	Jul 5, 2019 · Amount on File
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	2019103276
Last Transfer Date	May 16, 2022
Transfer Doc	0000083444
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	May 16, 2022
Property Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844
Document Number	0000083444
Map Reference	MB 436 PG 10
Instrument Date	May 16, 2022
Instrument	2022-083444
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Relationship	Joint Tenants
Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 28, 2021
Property Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844
Document Number	0000268514
Map Reference	MB 436 PG 10
Instrument Date	Sep 23, 2021
Instrument	2021-268514
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Relationship	Joint Tenants
Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844

Mortgage

Document Number	0000268515
Date	Sep 28, 2021
Instrument	2021-268515

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 5, 2019
Property Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844
Document Number	0000103276
Map Reference	MB 436 PG 10
Instrument Date	Jul 2, 2019
Instrument	2019-103276
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

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	Joint Tenants
Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844

Mortgage

Document Number	0000103277
Date	Jul 5, 2019
Instrument	2019-103277

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 29, 2018
Property Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844
Document Number	0000104589
Map Reference	MB 436 PG 10
Instrument Date	May 21, 2018
Instrument	2018-104589
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

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
Address	3681 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1844

Mortgage

Document Number	0000104590
Date	Jun 29, 2018
Instrument	2018-104590

Lender

Name	ADVANCIAL FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	7.37%
Index	1-Year CMT
Margin	3
Max Rate	11.3%

Tax Assessment & Valuation

The 2025 property tax bill for 3681 Otter Brook Loop was $10,277.

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		$752,970 (+2%) Land $223,101 Building $529,869
2025	$10,277.00	$738,207 Land $218,727 Building $519,480
2023	$9,651.00 (+1.65%)	$709,544 Land $210,235 Building $499,309
2022	$9,494.00

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

Flood

FEMA maps place 3681 Otter Brook Loop in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3681 Otter Brook Loop is low, with a 0.01% annual chance of 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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