3684 Otter Brook Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 3684 Otter Brook Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,097 sqft · built 2002
Lot Size	0.159 acres (6,917 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Jun 2019)
Tax Bill	$9,077 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Jun 2021 Second Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`011-430-070`

Property Details

APN / Parcel Number

Primary APN	`011-430-070`
Alternative APN	`011-430-070-0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,097 sqft Living Area
1st Floor Area	1,449 sqft
2nd Floor Area	1,648 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2003
Architectural Style	Cluster
Lot Area	6,917 sqft (0.159 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	692 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3684 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 L70
Legal Subdivision	SUBDIVISION 8428
Legal Tract	8428
Legal Lot Number	70
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	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DELTA SCHOOLS FCU
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 6, 2020	Deed of Trust, Mortgage · Conventional with PMI UNIVERSITY CU
Jun 19, 2019	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on Record
Deed Sale	Jun 19, 2019 · Amount on Record
Prior Sale	Sep 30, 2016 · Amount on Record
Deed Document Number	201993203
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SOUTHWEST FINANCIAL SVCS LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034245
Date	Feb 24, 2017
Instrument	2017-034245

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Nov 28, 2046

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000186361
Date	Jun 29, 2021
Instrument	2021-186361

Lender

Name	DELTA SCHOOLS FCU
Type	Credit Union
Address	ANTIOCH, CA 94531

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jun 1, 2033

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000242680
Date	Aug 30, 2021
Instrument	2021-242680

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000167484
Instrument Date	Aug 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3684 OTTER BROOK LOOP DISCOVERY BAY CA 945051843, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000167484
Date	Aug 11, 2020
Instrument	167484

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 19, 2019
Property Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843
Document Number	0000093203
Map Reference	MB 436 PG 10
Instrument Date	Jun 14, 2019
Instrument	2019-093203
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN 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	Joint Tenants
Address	3684 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1843

Mortgage

Document Number	0000093204
Date	Jun 19, 2019
Instrument	2019-093204

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$648,556 (+2%) Land $170,671 Building $477,885
2025	$9,077.00 (+6.73%) Homeowner's exemption	$635,840 (+4.04%) Land $167,325 Building $468,515
2023	$8,505.00 (+1.67%) Homeowner's exemption	$611,152 Land $160,829 Building $450,323
2022	$8,365.00

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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