4432 Grays Ct, Concord, CA 94518 Property Records

Contra Costa County property record for 4432 Grays Ct, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,391 sqft · built 1980
Lot Size	0.31 acres (13,482 sqft)
Owner	2 Individual Names on Record
Last Sale	$841,500 (Oct 2016)
Tax Bill	$11,710 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`134-513-018-9`

Property Details

APN / Parcel Number

Primary APN	`134-513-018-9`
Alternative APN	`134-513-018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,391 sqft Living Area
1st Floor Area	1,423 sqft
2nd Floor Area	968 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1991
Lot Area	13,482 sqft (0.31 acres)
Garage Type	Attached
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4432 GRAYS CT
City	CONCORD
State	CA
Zip	94518-1935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RPD
Legal Description	T04554 L0123 B EX MR
Legal Subdivision	SUBDIVISION 4554
Legal Tract	04554
Legal Lot Number	123
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	5
Census Block	5005
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	2 Individual Names on Record
Mailing Address	4432 GRAYS CT, CONCORD, CA 94518-1935
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 24, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2016 · Amount on Record
Deed Sale	Oct 14, 2016 · Amount on Record
Deed Document Number	2016214810
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4432 GRAYS CT, CONCORD, CA 94518-1935
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4432 GRAYS CT, CONCORD, CA 94518-1935

Mortgage

Document Number	0000325831
Date	Dec 28, 2020
Instrument	2020-325831

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4432 GRAYS CT, CONCORD, CA 94518-1935
Document Number	0000142734
Instrument Date	Aug 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4432 GRAYS CT CONCORD CA 945181935, CONCORD, CA 94518-1935

Mortgage

Document Number	0000142734
Date	Sep 3, 2019
Instrument	142734

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$996,159 (+2%) Land $532,705 Building $463,454
2025	$11,710.00 (+4.36%) Homeowner's exemption	$976,627 (+4.04%) Land $522,260 Building $454,367
2023	$11,221.00 (+1.2%) Homeowner's exemption	$938,705 Land $501,981 Building $436,724
2022	$11,088.00

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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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