3860 E el Campo Ct, Concord, CA 94519 Property Records

Contra Costa County property record for 3860 E el Campo Ct, Concord, CA 94519

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,675 sqft · built 1970
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Jul 2024)
Tax Bill	$13,147 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`114-350-069`

Property Details

APN / Parcel Number

Primary APN	`114-350-069`
Alternative APN	`114-350-069-0`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,675 sqft Living Area
1st Floor Area	2,277 sqft
2nd Floor Area	398 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Lot Area	9,900 sqft (0.227 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3860 E EL CAMPO CT
City	CONCORD
State	CA
Zip	94519-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	TRACT 3907 7
Legal Subdivision	SUBDIVISION 3907
Legal Tract	3907
Legal Lot Number	7
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2006
Census Tract	331000

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	3860 E EL CAMPO CT, CONCORD, CA 94519-1823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jul 27, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 8, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 25, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2024 · Amount on Record
Deed Sale	Jul 10, 2024 · Amount on Record
Prior Sale	Jun 25, 2020 · Amount on Record
Deed Document Number	202465782
Prior Transfer Date	Sep 28, 2020
Prior Transfer Doc	0000231282
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823
Transaction Type	Mortgage
Record Updated	Jan 5, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823

Mortgage

Document Number	0000188558
Date	Dec 28, 2022
Instrument	2022-188558

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	SILVERDALE, WA 98383

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134920
Date	Jul 27, 2017
Instrument	2017-134920

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823

Mortgage

Document Number	0000280815
Date	Oct 12, 2021
Instrument	2021-280815

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 8, 2020
Property Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823
Document Number	0000231282
Instrument Date	Sep 28, 2020
Instrument	231282
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3860 E EL CAMPO CT CONCORD CA 945191823, CONCORD, CA 94519-1823

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 25, 2020
Property Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823
Document Number	0000124475
Map Reference	MB 127 PG 44
Instrument Date	Jun 23, 2020
Instrument	2020-124475
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE CO

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	Community Property with Right of Survivorship
Address	3860 E EL CAMPO CT, CONCORD, CA 94519-1823
Investor	Possibly a Property Investor

Mortgage

Document Number	0000124476
Date	Jun 25, 2020
Instrument	2020-124476

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Concord City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,122,000 (+2%) Land $510,000 Building $612,000
2025	$13,147.00 (+21.74%)	$1,100,000 (+23.11%) Land $500,000 Building $600,000
2023	$10,799.00 (+1.21%)	$893,500 Land $473,030 Building $420,470
2022	$10,670.00

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (1982–2014)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2014 · rainfall accumulation

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	Not rated no burnable land within 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	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

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 582 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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

May also be available: Sonic Telecom.

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