3920 Joan Ave, Concord, CA 94521 Property Records

Contra Costa County property record for 3920 Joan Ave, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 883 sqft · built 1953
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Jun 2025)
Tax Bill	$4,070 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132-080-004-6`

Property Details

APN / Parcel Number

Primary APN	`132-080-004-6`
Alternative APN	`132-080-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	883 sqft Living Area
1st Floor Area	883 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3920 JOAN AVE
City	CONCORD
State	CA
Zip	94521-2545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	MAP OF GREENFIELD TR POR LOT 26
Legal Subdivision	GREENFIELD
Legal Lot Number	26
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2007
Census Tract	334001

Owner

3920 Joan Ave is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3920 JOAN AVE, CONCORD, CA 94521-2545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 28, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on File
Deed Sale	Jun 2, 2025 · Amount on File
Prior Sale	Jan 18, 2013 · Amount on File
Deed Document Number	202554861
Prior Transfer Date	Jul 16, 2020
Prior Transfer Doc	0000156125
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	3920 JOAN AVE, CONCORD, CA 94521-2545
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155818
Date	Aug 28, 2017
Instrument	2017-155818

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 29, 2020
Property Address	3920 JOAN AVE, CONCORD, CA 94521-2545
Document Number	0000156125
Map Reference	MB 12 PG 276
Instrument Date	Jul 16, 2020
Instrument	2020-156125
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	STEWART TITLE OF CA INC

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	Community Property with Right of Survivorship
Address	3920 JOAN AVE, CONCORD, CA 94521-2545

Mortgage

Document Number	0000156126
Date	Jul 29, 2020
Instrument	2020-156126

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3920 Joan Ave was $4,070.

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		$729,300 (+163.23%) Land $561,000 Building $168,300
2025	$4,070.00	$277,057 Land $184,707 Building $92,350
2023	$3,864.00 (+1.79%)	$266,301 Land $177,536 Building $88,765
2022	$3,796.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3920 Joan Ave in Zone X, an area of minimal flood risk, within 500 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 500 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

The area around 3920 Joan Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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