3873 Palmwood Dr, Concord, CA 94521 Property Records

Contra Costa County property record for 3873 Palmwood Dr, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,837 sqft · built 1969
Lot Size	0.211 acres (9,200 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Nov 2017)
Tax Bill	$9,802 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132-050-048-9`

Property Details

APN / Parcel Number

Primary APN	`132-050-048-9`
Alternative APN	`132-050-048`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,837 sqft Living Area
1st Floor Area	1,837 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1980
Lot Area	9,200 sqft (0.211 acres)
Garage Type	Attached
Garage Area	479 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3873 PALMWOOD DR
City	CONCORD
State	CA
Zip	94521-2647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	TRACT 3641 LOT 28
Legal Subdivision	PALMWOOD SUB 3641
Legal Tract	3641
Legal Lot Number	28
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2005
Census Tract	334001

Owner

3873 Palmwood Dr is owned by two individuals who bought it in November 2017.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 21543, CONCORD, CA 94521-0543
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Nov 15, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2017 · Amount on File
Deed Sale	Nov 15, 2017 · Amount on File
Prior Sale	Jun 9, 1998 · Amount on File
Deed Document Number	2017214910
Prior Transfer Date	Apr 17, 2009
Prior Transfer Doc	0000089314
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3873 PALMWOOD DR, CONCORD, CA 94521-2647
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3873 PALMWOOD DR, CONCORD, CA 94521-2647

Mortgage

Document Number	0000276650
Date	Oct 6, 2021
Instrument	2021-276650

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

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

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 15, 2017
Property Address	3873 PALMWOOD DR, CONCORD, CA 94521-2647
Document Number	0000214910
Instrument Date	Nov 13, 2017
Instrument	214910
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$770.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3873 PALMWOOD DR CONCORD CA 945212647, CONCORD, CA 94521-2647

Mortgage

Document Number	214911
Date	Nov 15, 2017
Instrument	214911

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3873 Palmwood Dr was $9,802.

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		$812,404 (+2%) Land $552,436 Building $259,968
2025	$9,802.00	$796,475 Land $541,604 Building $254,871
2023	$9,386.00 (+1.25%)	$765,549 Land $520,574 Building $244,975
2022	$9,270.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3873 Palmwood Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	3 (1980–2005)
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides

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

Wildfire risk around 3873 Palmwood Dr is low, with less than a 0.01% annual chance of wildfire.

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	Direct burnable vegetation

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 579 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Sonic Telecom.

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