4432 Cove Ln, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 4432 Cove Ln, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 1996
Lot Size	0.147 acres (6,400 sqft)
Owner	Company Name on File
Last Sale	$230,000 (Aug 2009)
Tax Bill	$5,241 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`008-550-008`

Property Details

APN / Parcel Number

Primary APN	`008-550-008`
Alternative APN	`008-550-008-0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,564 sqft Living Area
1st Floor Area	1,564 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1997
Lot Area	6,400 sqft (0.147 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4432 COVE LN
City	DISCOVERY BAY
State	CA
Zip	94505-1326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T7629 L8
Legal Subdivision	SUBDIVISION 7629
Legal Tract	7629
Legal Lot Number	8
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1010
Census Tract	304004

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 File
Mailing Address	4432 COVE LN, DISCOVERY BAY, CA 94505-1326
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 17, 2020	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Dec 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2009 · Amount on File
Deed Sale	Aug 10, 2009 · Amount on File
Prior Sale	Mar 8, 2002 · Amount on File
Deed Document Number	2009191389
Last Transfer Date	Dec 11, 2020
Transfer Doc	0000317606
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4432 COVE LN, DISCOVERY BAY, CA 94505-1326
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4432 COVE LN, BYRON, CA 94505-1326

Mortgage

Document Number	0000208258
Date	Jul 23, 2021
Instrument	2021-208258

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4432 COVE LN, DISCOVERY BAY, CA 94505-1326
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	DOMA TITLE OF CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4432 COVE LN, DISCOVERY BAY, CA 94505-1326

Mortgage

Document Number	0000115975
Date	Jul 20, 2022
Instrument	2022-115975

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	Other
Max Rate	10.1%

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 17, 2020
Property Address	4432 COVE LN, DISCOVERY BAY, CA 94505-1326
Document Number	0000317606
Instrument Date	Dec 11, 2020
Instrument	317606
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4432 COVE LN DISCOVERY BAY CA 945051326, DISCOVERY BAY, CA 94505-1326

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 17, 2020
Property Address	4432 COVE LN, DISCOVERY BAY, CA 94505-1326
Document Number	0000317607
Instrument Date	Dec 11, 2020
Instrument	317607
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4432 COVE LN DISCOVERY BAY CA 945051326, DISCOVERY BAY, CA 94505-1326

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Elementary School District	Byron Union Elementary School District (KG - 08)
Secondary School District	Liberty Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$322,737 (+2%) Land $69,615 Building $253,122
2025	$5,241.00 (+8.04%)	$316,409 (+4.04%) Land $68,250 Building $248,159
2023	$4,851.00 (+1.53%)	$304,124 Land $65,600 Building $238,524
2022	$4,778.00

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (1995)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

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	TOWN OF DISCOVERY BAY serves 16,790 people · EPA ID CA0710009
Water Source	Groundwater
Last State Inspection	Mar 2023
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Matrix Broadband, Verizon.

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