4195 Joan Ave, Concord, CA 94521 Property Records

Contra Costa County property record for 4195 Joan Ave, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,191 sqft · built 1953
Lot Size	0.178 acres (7,735 sqft)
Owner	Trust Name on File
Tax Bill	$2,464 (2025)
Deeds & Mortgages	Jan 2022 Reverse Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`132-135-003-3`

Property Details

APN / Parcel Number

Primary APN	`132-135-003-3`
Alternative APN	`132-135-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,191 sqft Living Area
1st Floor Area	764 sqft
2nd Floor Area	427 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	7,735 sqft (0.178 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	4195 JOAN AVE
City	CONCORD
State	CA
Zip	94521-2737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	CANTERBURY VILLAGE #2 LOT 186
Legal Subdivision	CANTERBURY VILLAGE 02
Legal Lot Number	186
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1002
Census Tract	334001

Owner

4195 Joan Ave is owner-occupied and held in a trust since January 2022.

Source: Contra Costa County records, as of August 21, 2026

Owner of Record	Trust Name on File
Mailing Address	4195 JOAN AVE, CONCORD, CA 94521-2737
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 4, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 14, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 14, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Mar 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2022
Deed Sale	Jan 4, 2022
Prior Sale	May 21, 1997 · Amount on File
Deed Document Number	20221097
Transfer Doc	0000001097
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 4, 2022
Property Address	4195 JOAN AVE, CONCORD, CA 94521-2737
Document Number	0000001097
Map Reference	MB 52 PG 22
Instrument Date	Aug 9, 2021
Instrument	2022-001097
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FNC TITLE SERVICES LLC

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
Address	4195 JOAN AVE, CONCORD, CA 94521-2737

Mortgage

Document Number	0000001098
Date	Jan 4, 2022
Instrument	2022-001098

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.24%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.24%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4195 JOAN AVE, CONCORD, CA 94521-2737
Document Number	0000068947
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4195 JOAN AVE CONCORD CA 945212737, CONCORD, CA 94521-2737

Mortgage

Document Number	0000068947
Date	Apr 20, 2017
Instrument	68947

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.47%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4195 JOAN AVE, CONCORD, CA 94521-2737
Document Number	0000068946
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4195 JOAN AVE CONCORD CA 945212737, CONCORD, CA 94521-2737

Mortgage

Document Number	0000068946
Date	Apr 20, 2017
Instrument	68946

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.47%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 1, 2017
Property Address	4195 JOAN AVE, CONCORD, CA 94521-2737
Document Number	0000037159
Instrument Date	Feb 2, 2017
Instrument	37159
Transaction Type	Transfer
Record Updated	Mar 20, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4195 JOAN AVE CONCORD CA 945212737, CONCORD, CA 94521-2737

Tax Assessment & Valuation

The 2025 property tax bill for 4195 Joan Ave was $2,464 with a homeowner'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		$147,562 (+2%) Land $70,273 Building $77,289
2025	$2,464.00 Homeowner's exemption	$144,670 Land $68,896 Building $75,774
2023	$2,312.00 (+2.53%) Homeowner's exemption	$139,055 Land $66,222 Building $72,833
2022	$2,255.00

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

Flood

FEMA maps place 4195 Joan Ave in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1982–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 2 claims

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 4195 Joan Ave 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 711 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

May also be available: AT&T, Sonic Telecom, T-Mobile, Verizon.

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