4338 Cowell Rd, Concord, CA 94518 Property Records

Contra Costa County property record for 4338 Cowell Rd, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,024 sqft · built 1942
Lot Size	0.316 acres (13,775 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jun 2012)
Tax Bill	$5,558 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`134-062-032-5`

Property Details

APN / Parcel Number

Primary APN	`134-062-032-5`
Alternative APN	`134-062-032`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,024 sqft Living Area
1st Floor Area	2,024 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1970
Lot Area	13,775 sqft (0.316 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	4338 COWELL RD
City	CONCORD
State	CA
Zip	94518-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	PCL MAP 94 PG 24 PCL B
Legal Subdivision	PM 94 24
Legal Tract	94PM24
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4000
Census Tract	337300

Owner

4338 Cowell Rd is owned and occupied by an individual who bought it in June 2012.

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

Owner of Record	Individual Name on File
Mailing Address	4338 COWELL RD, CONCORD, CA 94518-1808
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Feb 17, 2023	Deed of Trust, Mortgage · Commercial Mortgage BAGGIN MANAGEMENT COMPANY INC
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage IMC MORTGAGE CORP
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 5, 2021	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2012 · Amount on File
Deed Sale	Jun 1, 2012 · Amount on File
Deed Document Number	2012130120
Prior Transfer Date	Sep 29, 1997
Prior Transfer Doc	0000186756
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4338 COWELL RD, CONCORD, CA 94518-1808
Transaction Type	Mortgage
Record Updated	Feb 27, 2024
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 COWELL RD, CONCORD, CA 94518-1808

Mortgage

Document Number	0000015211
Date	Feb 16, 2024
Instrument	2024-015211

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4338 COWELL RD, CONCORD, CA 94518-1808
Transaction Type	Mortgage
Record Updated	Feb 28, 2023
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 COWELL RD, CONCORD, CA 94518-1808

Mortgage

Document Number	0000015075
Date	Feb 17, 2023
Instrument	2023-015075

Lender

Name	BAGGIN MANAGEMENT COMPANY INC
Type	Non-Lending Institution
Address	SAN RAMON, CA 94583

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4338 COWELL RD, CONCORD, CA 94518-1808
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	BNT TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 COWELL RD, CONCORD, CA 94518-1808

Mortgage

Document Number	0000239776
Date	Oct 16, 2020
Instrument	2020-239776

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4338 COWELL RD, CONCORD, CA 94518-1808
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 COWELL RD, CONCORD, CA 94518-1808

Mortgage

Document Number	0000080422
Date	Mar 17, 2021
Instrument	2021-080422

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4338 COWELL RD, CONCORD, CA 94518-1808
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 COWELL RD, CONCORD, CA 94518-1808

Mortgage

Document Number	0000218892
Date	Aug 5, 2021
Instrument	2021-218892

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4338 Cowell Rd was $5,558.

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		$424,339 (+3.04%) Land $315,547 Building $108,792
2025	$5,558.00	$411,804 Land $309,360 Building $102,444
2023	$4,926.00 (+1.61%)	$362,175 Land $297,349 Building $64,826
2022	$4,848.00

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

Flood

FEMA maps place 4338 Cowell Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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

Wildfire risk around 4338 Cowell Rd is low, with 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 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 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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