4041 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 4041 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1953
Lot Size	0.23 acres (10,030 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Nov 2018)
Tax Bill	$4,144 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`132-232-007-6`

Property Details

APN / Parcel Number

Primary APN	`132-232-007-6`
Alternative APN	`132-232-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Wood Shingle
Lot Area	10,030 sqft (0.23 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4041 COWELL RD
City	CONCORD
State	CA
Zip	94518-1710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	ALMA VISTA #1 LOT 1
Legal Subdivision	ALMA VISTA #1
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2009
Census Tract	334001

Owner

4041 Cowell Rd is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4041 COWELL RD, CONCORD, CA 94518-1710
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
Sep 23, 2020	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 13, 2019	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Aug 2, 2021	Deed of Trust, Mortgage SPRING EQ LLC
Nov 21, 2018	Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2018 · Amount on File
Deed Sale	Nov 21, 2018 · Amount on File
Deed Document Number	2018188749
Prior Transfer Date	Jan 24, 1996
Prior Transfer Doc	0000016411
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4041 COWELL RD, CONCORD, CA 94518-1710
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4041 COWELL RD, CONCORD, CA 94518-1710

Mortgage

Document Number	0000213649
Date	Sep 23, 2020
Instrument	2020-213649

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4041 COWELL RD, CONCORD, CA 94518-1710
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE SF

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128588
Date	Aug 13, 2019
Instrument	2019-128588

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4041 COWELL RD, CONCORD, CA 94518-1710
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4041 COWELL RD, CONCORD, CA 94518-1710

Mortgage

Document Number	0000214952
Date	Aug 2, 2021
Instrument	2021-214952

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 21, 2018
Property Address	4041 COWELL RD, CONCORD, CA 94518-1710
Document Number	0000188749
Map Reference	VOL 43 PG 25
Instrument Date	Nov 15, 2018
Instrument	2018-188749
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE COMPANY O

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	4041 COWELL RD, CONCORD, CA 94518-1710

Mortgage

Document Number	0000188750
Date	Nov 21, 2018
Instrument	2018-188750

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4041 Cowell Rd was $4,144 with a veteran's exemption.

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		$646,643 (+2%) Land $453,991 Building $192,652
2025	$4,144.00 Disabled Person's exemption Veteran's exemption	$633,965 Land $445,090 Building $188,875
2023	$4,100.00 (+1.23%) Disabled Person's exemption Veteran's exemption	$609,349 Land $427,807 Building $181,542
2022	$4,050.00

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

Flood

FEMA maps place 4041 Cowell Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1980.

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

Wildfire risk around 4041 Cowell Rd 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	None beyond 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 552 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Sonic Telecom.

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