389 Montecillo Dr, Walnut Creek, CA 94595 Property Records

Contra Costa County property record for 389 Montecillo Dr, Walnut Creek, CA 94595

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,415 sqft · built 1956
Lot Size	0.66 acres (28,749 sqft)
Owner	Company Name on Record
Tax Bill	$6,951 (2025)
Deeds & Mortgages	Aug 2021 Reverse Mortgage Mar 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`188-011-001-8`

Property Details

APN / Parcel Number

Primary APN	`188-011-001-8`
Alternative APN	`188-011-001`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,415 sqft Living Area
1st Floor Area	2,760 sqft
Basement Area	655 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1976
Lot Area	28,749 sqft (0.66 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	389 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	RANCHO SAN RAMON
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	Company Name on Record
Mailing Address	389 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Mar 11, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 7, 2009
Transfer Doc	0000258093
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	389 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 MONTECILLO DR, WALNUT CREEK, CA 94595-2654

Mortgage

Document Number	0000241685
Date	Aug 27, 2021
Instrument	2021-241685

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	948 Months
Due	Aug 2, 2100

Interest

Rate Type	Adjustable Rate
Rate	2.31%
Index	1-Year CMT

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	389 MONTECILLO DR, WALNUT CREEK, CA 94595-2654
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 MONTECILLO DR, WALNUT CREEK, CA 94595-2654

Mortgage

Document Number	0000074284
Date	Mar 11, 2021
Instrument	2021-074284

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

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		$577,383 (+2%) Land $137,186 Building $440,197
2025	$6,951.00 (+4.2%) Homeowner's exemption	$566,063 (+4.04%) Land $134,497 Building $431,566
2023	$6,671.00 (+2.25%) Homeowner's exemption	$544,083 Land $129,275 Building $414,808
2022	$6,524.00

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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