3907 Joan Ave, Concord, CA 94521 Property Records

Contra Costa County property record for 3907 Joan Ave, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,159 sqft · built 1971
Lot Size	0.248 acres (10,800 sqft)
Owner	Company Name on Record
Last Sale	$596,000 (Oct 2014)
Tax Bill	$8,837 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`132-090-038-2`

Property Details

APN / Parcel Number

Primary APN	`132-090-038-2`
Alternative APN	`132-090-038`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,159 sqft Living Area
Gross Area	2,579 sqft
1st Floor Area	2,159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,800 sqft (0.248 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3907 JOAN AVE
City	CONCORD
State	CA
Zip	94521-2542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	PARCEL MAP 12 PG 39 PCL A
Legal Subdivision	PM 12 39
Legal Tract	12PM39
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2002
Census Tract	334001

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	3907 JOAN AVE, CONCORD, CA 94521-2542
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jan 27, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2014 · Amount on Record
Deed Sale	Oct 10, 2014 · Amount on Record
Prior Sale	Apr 9, 2013 · Amount on Record
Deed Document Number	2014175469
Prior Transfer Date	Jan 29, 1994
Prior Transfer Doc	0000040695
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3907 JOAN AVE, CONCORD, CA 94521-2542
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076938
Date	Apr 23, 2020
Instrument	2020-076938

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3907 JOAN AVE, CONCORD, CA 94521-2542
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3907 JOAN AVE, CONCORD, CA 94521-2542

Mortgage

Document Number	0000129937
Date	Apr 29, 2021
Instrument	2021-129937

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

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

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 27, 2022
Property Address	3907 JOAN AVE, CONCORD, CA 94521-2542
Document Number	0000017009
Map Reference	MB 12 PG 39
Instrument Date	Jan 6, 2022
Instrument	2022-017009
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3907 JOAN AVE, CONCORD, CA 94521-2542

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		$730,616 (+2%) Land $337,112 Building $393,504
2025	$8,837.00 (+4.54%) Homeowner's exemption	$716,291 (+4.04%) Land $330,502 Building $385,789
2023	$8,453.00 (+1.31%) Homeowner's exemption	$688,478 Land $317,669 Building $370,809
2022	$8,344.00

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 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

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 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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