4308 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 4308 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,512 sqft · built 1954
Lot Size	0.448 acres (19,500 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (Aug 2001)
Tax Bill	$8,186 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`134-062-006-9`

Property Details

APN / Parcel Number

Primary APN	`134-062-006-9`
Alternative APN	`134-062-006`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,512 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,968 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1965
Lot Area	19,500 sqft (0.448 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4308 COWELL RD
City	CONCORD
State	CA
Zip	94518-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	TREAT LANE TR #1 LOT 21
Legal Subdivision	TREAT LANE 01
Legal Tract	1
Legal Lot Number	21
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4000
Census Tract	337300

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	Company Name on Record
Mailing Address	127 VILLA CT, LAFAYETTE, CA 94549-2017
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIREFIGHTERS FIRST FCU
Jan 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 10, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 2, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE SD
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit SF FIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2001 · Amount on Record
Deed Sale	Aug 9, 2001 · Amount on Record
Prior Sale	Jun 16, 1995 · Amount on Record
Deed Document Number	2001234613
Prior Transfer Date	Jun 1, 1995
Prior Transfer Doc	0000094571
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4308 COWELL RD, CONCORD, CA 94518-1808
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000123039
Date	Jun 24, 2020
Instrument	2020-123039

Lender

Name	FIREFIGHTERS FIRST FCU
Type	Credit Union
Address	LOS ANGELES, CA 90041

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 10, 2022
Property Address	4308 COWELL RD, CONCORD, CA 94518-1808
Document Number	0000005380
Map Reference	MB 35 PG 20
Instrument Date	Jan 6, 2022
Instrument	2022-005380
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	LAWYERS TITLE

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
Relationship	Joint Tenants
Address	1009 RIDGE PARK DR, CONCORD, CA 94518-1434

Mortgage

Document Number	0000005381
Date	Jan 10, 2022
Instrument	2022-005381

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 10, 2022
Property Address	4308 COWELL RD, CONCORD, CA 94518-1808
Document Number	0000005382
Map Reference	MB 35 PG 20
Instrument Date	Jan 6, 2022
Instrument	2022-005382
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Relationship	Family Trust
Address	1009 RIDGE PARK DR, CONCORD, CA 94518-1434

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 2, 2021
Property Address	4308 COWELL RD, CONCORD, CA 94518-1808
Document Number	0000189741
Map Reference	MB 35 PG 20
Instrument Date	Jun 29, 2021
Instrument	2021-189741
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	LAWYERS TITLE-SD, LAWYERS TITLE SD

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
Relationship	Joint Tenants
Address	1009 RIDGE PARK DR, CONCORD, CA 94518-1434

Mortgage

Document Number	0000189742
Date	Jul 2, 2021
Instrument	2021-189742

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 2, 2021
Property Address	4308 COWELL RD, CONCORD, CA 94518-1808
Document Number	0000189743
Map Reference	MB 35 PG 20
Instrument Date	Jun 29, 2021
Instrument	2021-189743
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAWYERS TITLE SD

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
Relationship	Family Trust
Address	1009 RIDGE PARK DR, CONCORD, CA 94518-1434

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4308 COWELL RD, CONCORD, CA 94518-1808
Document Number	0000214626
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Nov 17, 2017
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	127 VILLA CT LAFAYETTE CA 945492017, LAFAYETTE, CA 94549-2017

Mortgage

Document Number	0000214626
Date	Nov 14, 2017
Instrument	214626

Lender

Name	SF FIRE CU
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 13, 2042

Interest

Rate Type	Adjustable Rate

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		$583,179 (+2%) Land $186,692 Building $396,487
2025	$8,186.00 (+5.39%)	$571,745 (+4.04%) Land $183,032 Building $388,713
2023	$7,767.00 (+1.82%)	$549,546 Land $175,926 Building $373,620
2022	$7,628.00

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
Nearby Flood Claims	1 (1998)
Most Recent Claim	Jan 1998 · rainfall accumulation

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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 586 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, T-Mobile.

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