413 S 45th St, Richmond, CA 94804 Property Records

Contra Costa County property record for 413 S 45th St, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,324 sqft · built 1963
Lot Size	0.08 acres (3,500 sqft)
Owner	Individual Name on Record
Tax Bill	$8,264 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`513-131-007-9`

Property Details

APN / Parcel Number

Primary APN	`513-131-007-9`
Alternative APN	`513-131-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,324 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	662 sqft
2nd Floor Area	662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	3,500 sqft (0.08 acres)
Garage Type	Attached
Garage Area	476 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	413 S 45TH ST
City	RICHMOND
State	CA
Zip	94804-3414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2CD
Legal Description	TRACT 2972 LOT 3 BLK 11
Legal Subdivision	SUBDIVISION #2972
Legal Tract	2972
Legal Block	11
Legal Lot Number	3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2011
Census Tract	381000

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	Individual Name on Record
Mailing Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 26, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Oct 26, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Oct 26, 2020	Grant Deed, Transfer · VA Mortgage ELEVEN MTG
Mar 7, 2018	Quit Claim Deed, Transfer Quitclaim
Jan 22, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Feb 7, 2018	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2020
Deed Sale	Oct 26, 2020
Prior Sale	Oct 26, 2020 · Amount on Record
Deed Document Number	2020249143
Prior Transfer Date	Oct 19, 2020
Prior Transfer Doc	0000249143
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 S 45TH ST, RICHMOND, CA 94804-3414

Mortgage

Document Number	0000286266
Date	Oct 18, 2021
Instrument	2021-286266

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 26, 2020
Property Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Document Number	0000249143
Instrument Date	Oct 19, 2020
Instrument	249143
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	413 S 45TH ST RICHMOND CA 948043414, RICHMOND, CA 94804-3414

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 26, 2020
Property Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Document Number	0000249141
Instrument Date	Oct 19, 2020
Instrument	249141
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	112 FAIRMOUNT AVE OAKLAND CA 946115940, OAKLAND, CA 94611-5940

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 26, 2020
Property Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Document Number	0000249142
Instrument Date	Oct 19, 2020
Instrument	249142
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	413 S 45TH ST RICHMOND CA 948043414, RICHMOND, CA 94804-3414

Mortgage

Document Number	249144
Date	Oct 26, 2020
Instrument	249144

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 7, 2018
Property Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Document Number	0000035092
Instrument Date	Feb 28, 2018
Instrument	35092
Transaction Type	Transfer
Record Updated	Mar 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	425 4TH ST RODEO CA 945721408, RODEO, CA 94572-1408

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 22, 2018
Property Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Document Number	0000009651
Instrument Date	Jan 19, 2018
Instrument	9651
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 4TH ST RODEO CA 945721408, RODEO, CA 94572-1408

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 7, 2018
Property Address	413 S 45TH ST, RICHMOND, CA 94804-3414
Document Number	0000019660
Instrument Date	Jan 19, 2018
Instrument	19660
Transaction Type	Transfer
Record Updated	Feb 13, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 4TH ST RODEO CA 945721408, RODEO, CA 94572-1408

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	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$662,446 (+2%) Land $331,223 Building $331,223
2025	$8,264.00 (-20.35%)	$649,458 (+4.04%) Land $324,729 Building $324,729
2023	$10,375.00 (+1.68%)	$624,240 Land $312,120 Building $312,120
2022	$10,204.00

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 10 (0% premium discount)
Nearby Flood Policies	1 in force

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	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 765 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks, Sonic Telecom.

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