431 20th St, Richmond, CA 94801 Property Records

Contra Costa County property record for 431 20th St, Richmond, CA 94801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,078 sqft · built 1906
Lot Size	0.13 acres (5,650 sqft)
Owner	Company Name on Record
Last Sale	$109,382 (Jan 2011)
Tax Bill	$3,162 (2025)
Deeds & Mortgages	Oct 2023 Transfer Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`514-130-010-2`

Property Details

APN / Parcel Number

Primary APN	`514-130-010-2`
Alternative APN	`514-130-010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,078 sqft Living Area
1st Floor Area	651 sqft
2nd Floor Area	427 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 2000
Lot Area	5,650 sqft (0.13 acres)
Garage Type	Attached
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	431 20TH ST
City	RICHMOND
State	CA
Zip	94801-3226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF RICHMOND LOTS 29 & 30 BLK 108
Legal Subdivision	RICHMOND
Legal Block	108
Legal Lot Number	29,30
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2008
Census Tract	375000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	570 LAKEWOOD CIR, WALNUT CREEK, CA 94598-4841
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Intrafamily Transfer, Transfer
Dec 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage IMC MORTGAGE CORP
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2011 · Amount on Record
Deed Sale	Jan 25, 2011 · Amount on Record
Prior Sale	Dec 27, 2000 · Amount on Record
Deed Document Number	201118607
Prior Transfer Date	Jul 13, 2005
Prior Transfer Doc	0000266695
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 17, 2023
Property Address	431 20TH ST, RICHMOND, CA 94801-3226
Document Number	0000102147
Map Reference	MB D PG 74
Instrument Date	Aug 25, 2023
Instrument	2023-102147
Transaction Type	Transfer
Record Updated	Oct 26, 2023

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	Revocable Trust
Address	570 LAKEWOOD CIR, WALNUT CREEK, CA 94598-4841

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	431 20TH ST, RICHMOND, CA 94801-3226
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204780
Date	Dec 21, 2018
Instrument	2018-204780

Lender

Name	IMC MORTGAGE CORP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	431 20TH ST, RICHMOND, CA 94801-3226
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021850
Date	Feb 5, 2020
Instrument	2020-021850

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

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		$119,556 (+2%) Land $52,264 Building $67,292
2025	$3,162.00 (+2.23%)	$117,213 (+4.04%) Land $51,240 Building $65,973
2023	$3,093.00 (+3.03%)	$112,663 Land $49,251 Building $63,412
2022	$3,002.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 1,047 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25

May also be available: Etheric Networks, GeoLinks, T-Mobile, Verizon.

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