45 Willow Ave, Walnut Creek, CA 94595 Property Records

Contra Costa County property record for 45 Willow Ave, Walnut Creek, CA 94595

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 1944
Lot Size	0.43 acres (18,730 sqft)
Owner	2 Trust Names on File
Last Sale	$913,500 (Dec 2014)
Tax Bill	$13,221 (2025)
Deeds & Mortgages	Feb 2024 Transfer Dec 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`184-301-030-5`

Property Details

APN / Parcel Number

Primary APN	`184-301-030-5`
Alternative APN	`184-301-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
1st Floor Area	1,716 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1954
Lot Area	18,730 sqft (0.43 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	45 WILLOW AVE
City	WALNUT CREEK
State	CA
Zip	94595-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	PARCEL MAP 159 PG 36 POR PCLS C & B
Legal Subdivision	PARCEL MAP
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	5
Census Block	5002
Census Tract	334200

Owner

45 Willow Ave is held in a trust since December 2014.

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	2 Trust Names on File
Mailing Address	45 WILLOW AVE, WALNUT CREEK, CA 94595-1636
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Intrafamily Transfer, Transfer
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2014 · Amount on File
Deed Sale	Dec 16, 2014 · Amount on File
Prior Sale	Nov 19, 1993 · Amount on File
Deed Document Number	2014222067
Prior Transfer Date	Nov 29, 2010
Prior Transfer Doc	0000035452
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 20, 2024
Property Address	45 WILLOW AVE, WALNUT CREEK, CA 94595-1636
Document Number	0000015661
Map Reference	MB 159 PG 36
Instrument Date	Feb 15, 2024
Instrument	2024-015661
Transaction Type	Transfer
Record Updated	Feb 28, 2024

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
Address	45 WILLOW AVE, WALNUT CREEK, CA 94595-1636

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	45 WILLOW AVE, WALNUT CREEK, CA 94595-1636
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 WILLOW AVE, WALNUT CREEK, CA 94595-1636

Mortgage

Document Number	0000322216
Date	Dec 22, 2020
Instrument	2020-322216

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 45 Willow Ave was $13,221.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,119,836 (+2%) Land $907,151 Building $212,685
2025	$13,221.00	$1,097,879 Land $889,364 Building $208,515
2023	$12,732.00 (+2.24%)	$1,055,249 Land $854,830 Building $200,419
2022	$12,453.00

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

Flood

FEMA maps place 45 Willow Ave in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1997.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1997–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2017 · other causes

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 45 Willow Ave 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	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 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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