4020 Joan Ave, Concord, CA 94521 Property Records

Contra Costa County property record for 4020 Joan Ave, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,614 sqft · built 1950
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$803,000 (Apr 2026)
Tax Bill	$2,237 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132-121-011-2`

Property Details

APN / Parcel Number

Primary APN	`132-121-011-2`
Alternative APN	`132-121-011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
1st Floor Area	1,614 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Garage Type	Attached
Garage Area	230 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4020 JOAN AVE
City	CONCORD
State	CA
Zip	94521-2654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	ROSAL PARK POR LOTS 31 & 32
Legal Subdivision	ROSAL PARK
Legal Lot Number	31,32
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2008
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	2 Individual Names on Record
Mailing Address	4020 JOAN AVE, CONCORD, CA 94521-2654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Deed Document Number	202639182
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 17, 2026
Property Address	4020 JOAN AVE, CONCORD, CA 94521-2654
Document Number	0000039182
Instrument Date	Apr 6, 2026
Instrument	202639182
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,213.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4020 JOAN AVE, CONCORD, CA 94521-2654

Mortgage

Document Number	0000039183,
Date	Apr 17, 2026
Instrument	202639183

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

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		$120,417 (+2%) Land $30,213 Building $90,204
2025	$2,237.00 (+6.78%) Homeowner's exemption	$118,057 (+4.04%) Land $29,621 Building $88,436
2023	$2,095.00 (+2.65%) Homeowner's exemption	$113,474 Land $28,472 Building $85,002
2022	$2,041.00

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

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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