4556 Cove Ln, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 4556 Cove Ln, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,700 sqft · built 1990
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jan 2016)
Tax Bill	$7,093 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2021 Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`008-492-009-9`

Property Details

APN / Parcel Number

Primary APN	`008-492-009-9`
Alternative APN	`008-492-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,700 sqft Living Area
1st Floor Area	1,520 sqft
2nd Floor Area	1,180 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1991
Lot Area	6,000 sqft (0.138 acres)
View / Lot	Lake
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4556 COVE LN
City	DISCOVERY BAY
State	CA
Zip	94505-1300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	T7226 L118
Legal Subdivision	SUBDIVISION 7226
Legal Tract	7226
Legal Lot Number	118
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	1
Census Block	1009
Census Tract	304004

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	4556 COVE LN, DISCOVERY BAY, CA 94505-1300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2016 · Amount on Record
Deed Sale	Jan 22, 2016 · Amount on Record
Prior Sale	Oct 15, 2008 · Amount on Record
Deed Document Number	201611869
Prior Transfer Date	Jun 28, 2002
Prior Transfer Doc	0000233501
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4556 COVE LN, DISCOVERY BAY, CA 94505-1300
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128512
Date	Jun 30, 2020
Instrument	2020-128512

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4556 COVE LN, DISCOVERY BAY, CA 94505-1300
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4556 COVE LN, DISCOVERY BAY, CA 94505-1300

Mortgage

Document Number	0000209205
Date	Jul 26, 2021
Instrument	2021-209205

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$495,058 (+2%) Land $144,892 Building $350,166
2025	$7,093.00 (+7.21%)	$485,351 (+4.04%) Land $142,051 Building $343,300
2023	$6,616.00 (+1.55%)	$466,506 Land $136,536 Building $329,970
2022	$6,515.00

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 67% of the US · lower than 81% 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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