381 Montecillo Dr, Walnut Creek, CA 94595 Property Records

Contra Costa County property record for 381 Montecillo Dr, Walnut Creek, CA 94595

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,593 sqft · built 1955
Lot Size	0.66 acres (28,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,625,000 (Oct 2020)
Tax Bill	$20,381 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jan 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`188-011-003-4`

Property Details

APN / Parcel Number

Primary APN	`188-011-003-4`
Alternative APN	`188-011-003`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,593 sqft Living Area
1st Floor Area	2,268 sqft
2nd Floor Area	1,325 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1989
Lot Area	28,749 sqft (0.66 acres)
Garage Type	Attached
Garage Area	668 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	381 MONTECILLO DR
City	WALNUT CREEK
State	CA
Zip	94595-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	POR RO SAN RAMON
Legal Subdivision	SAN RAMON RHO
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3004
Census Tract	334200

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	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jan 24, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Oct 9, 2020	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Prior Sale	Mar 16, 2007 · Amount on Record
Deed Document Number	2020232896
Prior Transfer Date	Sep 29, 2020
Prior Transfer Doc	0000232895
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654

Mortgage

Document Number	0000006573
Date	Jan 22, 2024
Instrument	2024-006573

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654

Mortgage

Document Number	0000014168
Date	Jan 24, 2022
Instrument	2022-014168

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654

Mortgage

Document Number	0000232617
Date	Aug 20, 2021
Instrument	2021-232617

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

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

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654

Mortgage

Document Number	0000152588
Date	Oct 11, 2022
Instrument	2022-152588

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 9, 2020
Property Address	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Document Number	0000232896
Instrument Date	Sep 29, 2020
Instrument	2020-232896
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO 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	381 MONTECILLO DR, WALNUT CREEK, CA 94595-2654

Mortgage

Document Number	0000232897
Date	Oct 9, 2020
Instrument	2020-232897

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

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

Mortgage

Document Number	0000232898
Date	Oct 9, 2020
Instrument	2020-232898

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Walnut Creek Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,794,128 (+2%) Land $993,671 Building $800,457
2025	$20,381.00 (+3.82%) Homeowner's exemption	$1,758,950 (+4.04%) Land $974,188 Building $784,762
2023	$19,631.00 (+2.3%) Homeowner's exemption	$1,690,650 Land $936,360 Building $754,290
2022	$19,189.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	57 (1982–2005)
Claims Outside the SFHA	3 of 57
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 7 claims Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 12 claims Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 6 claims

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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