4275 Chloe Dr, Concord, CA 94518 Property Records

Contra Costa County property record for 4275 Chloe Dr, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,421 sqft · built 1989
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,000 (Aug 1999)
Tax Bill	$7,868 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`130-200-045-8`

Property Details

APN / Parcel Number

Primary APN	`130-200-045-8`
Alternative APN	`130-200-045`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,421 sqft Living Area
1st Floor Area	1,357 sqft
2nd Floor Area	1,064 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	9,900 sqft (0.227 acres)
Garage Type	Attached
Garage Area	663 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4275 CHLOE DR
City	CONCORD
State	CA
Zip	94518-1861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	T05836 L0010 B EX 1/2 MR
Legal Subdivision	SUBDIVISION 5836
Legal Tract	05836
Legal Lot Number	10
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1004
Census Tract	337100

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	4275 CHLOE DR, CONCORD, CA 94518-1861
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jan 30, 2019	Deed of Trust, Mortgage · ARM FLORIDA CAPITAL BANK NA
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 1999 · Amount on Record
Deed Sale	Aug 31, 1999 · Amount on Record
Deed Document Number	1999232515
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4275 CHLOE DR, CONCORD, CA 94518-1861
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169189
Date	Oct 25, 2018
Instrument	2018-169189

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4275 CHLOE DR, CONCORD, CA 94518-1861
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013402
Date	Jan 30, 2019
Instrument	2019-013402

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4275 CHLOE DR, CONCORD, CA 94518-1861
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4275 CHLOE DR, CONCORD, CA 94518-1861

Mortgage

Document Number	0000279337
Date	Nov 18, 2020
Instrument	2020-279337

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

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		$641,175 (+2%) Land $172,437 Building $468,738
2025	$7,868.00 (+4.64%) Homeowner's exemption	$628,604 (+4.04%) Land $169,056 Building $459,548
2023	$7,519.00 (+1.38%) Homeowner's exemption	$604,197 Land $162,493 Building $441,704
2022	$7,417.00

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 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	4 (1997–2002)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Dec 2002 · rainfall accumulation
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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 203 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 DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Sonic Telecom.

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