Contra Costa County property record for 3695 Cowell Rd, Concord, CA 94518
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,721 sqft · built 1963 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $11,131 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-131-011-6 |
| Primary APN | 105-131-011-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,721 sqft Living Area |
| 1st Floor Area | 1,721 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1968 |
| Lot Area | 10,800 sqft (0.248 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Street Address | 3695 COWELL RD |
|---|---|
| City | CONCORD |
| State | CA |
| Zip | 94518-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | TRACT 2418 LOT 1 |
| Legal Subdivision | HEIGHER HEIGHTS SUB 7296 |
| Legal Tract | 2418 |
| Legal Lot Number | 1 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 335000 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 3695 COWELL RD, CONCORD, CA 94518-1501 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jan 30, 2024 | Grant Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 30, 2018 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 30, 2018 | Affidavit of Death, Transfer WFG NATIONAL TITLE INSURANCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2025 |
| Deed Sale | Aug 21, 2025 |
| Prior Sale | Jan 30, 2024 · Amount on Record |
| Deed Document Number | 202585230 |
| Prior Transfer Date | Dec 10, 2024 |
| Prior Transfer Doc | 0000132419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Jan 30, 2024 |
| Property Address | 3695 COWELL RD, CONCORD, CA 94518-1501 |
| Document Number | 0000009388 |
| Map Reference | MB 87 PG 50 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 2024-009388 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2024 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3695 COWELL RD, CONCORD, CA 94518-1501 |
| Document Number | 0000009389 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 2024-009389 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 3695 COWELL RD, CONCORD, CA 94518-1501 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000325454 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 2021-325454 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Oct 30, 2018 |
| Property Address | 3695 COWELL RD, CONCORD, CA 94518-1501 |
| Document Number | 0000176540 |
| Map Reference | MB 87 PG 50 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 2018-176540 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | WFG NATIONAL TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 3716 RANCHO ESTATES CT, WALNUT CREEK, CA 94598-4677 |
| Document Number | 0000176541 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 2018-176541 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2033 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Oct 30, 2018 |
| Property Address | 3695 COWELL RD, CONCORD, CA 94518-1501 |
| Document Number | 0000176539 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 176539 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2018 |
| Title Company | WFG NATIONAL TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1162 CUNEO CT CONCORD CA 945181877, CONCORD, CA 94518-1877 |
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Concord City |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $941,562 (+2%) Land $577,422 Building $364,140 | |
| 2025 | $11,131.00 (+25.6%) | $923,100 (+28.5%) Land $566,100 Building $357,000 |
| 2023 | $8,862.00 (+1.28%) | $718,373 Land $372,160 Building $346,213 |
| 2022 | $8,750.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AO, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 36 in force |
| Nearby Flood Claims | 2 (1996–1998) |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CONTRA COSTA WATER DISTRICT serves 210,500 people · EPA ID CA0710003 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2022 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 437 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sonic Telecom Fiber | 10,000 / 10,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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