3705 Otter Brook Loop, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 3705 Otter Brook Loop, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,732 sqft · built 2002
Lot Size	0.153 acres (6,667 sqft)
Owner	2 Individual Names on Record
Last Sale	$710,000 (Nov 2020)
Tax Bill	$10,532 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`011-430-017-1`

Property Details

APN / Parcel Number

Primary APN	`011-430-017-1`
Alternative APN	`011-430-017`

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 2002
Effective Year Built	Effective 2003
Architectural Style	Cluster
Lot Area	6,667 sqft (0.153 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	3705 OTTER BROOK LOOP
City	DISCOVERY BAY
State	CA
Zip	94505-1846
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T8428 L17
Legal Subdivision	LAKESHORE 2 SUB 8428
Legal Tract	8428
Legal Lot Number	17
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, 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	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 9, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 27, 2021	Correction Deed, Transfer FIRST AMERICAN TITLE
Jan 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MASTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2020 · Amount on Record
Deed Sale	Nov 9, 2020 · Amount on Record
Prior Sale	May 14, 2003 · Amount on Record
Deed Document Number	2020267895
Last Transfer Date	Jan 25, 2021
Transfer Doc	0000026273
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022532
Date	Feb 3, 2017
Instrument	2017-022532

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846

Mortgage

Document Number	0000286159
Date	Oct 18, 2021
Instrument	2021-286159

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 9, 2020
Property Address	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846
Document Number	0000267895
Map Reference	MB 436 PG 10
Instrument Date	Nov 3, 2020
Instrument	2020-267895
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	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846

Mortgage

Document Number	0000267896
Date	Nov 9, 2020
Instrument	2020-267896

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2021: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 27, 2021
Property Address	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846
Document Number	0000026273
Instrument Date	Nov 3, 2020
Instrument	26273
Transaction Type	Transfer
Record Updated	Feb 8, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3705 OTTER BROOK LOOP DISCOVERY BAY CA 945051846, DISCOVERY BAY, CA 94505-1846

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3705 OTTER BROOK LOOP, DISCOVERY BAY, CA 94505-1846
Document Number	0000022531
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3705 OTTER BROOK LOOP DISCOVERY BAY CA 945051846, DISCOVERY BAY, CA 94505-1846

Mortgage

Document Number	0000022531
Date	Feb 3, 2017
Instrument	22531

Lender

Name	MORTGAGE MASTER
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

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		$783,894 (+2%) Land $88,324 Building $695,570
2025	$10,532.00 (+6.47%) Homeowner's exemption	$768,525 (+4.04%) Land $86,593 Building $681,932
2023	$9,892.00 (+1.68%) Homeowner's exemption	$738,684 Land $83,232 Building $655,452
2022	$9,729.00

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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