4565 Discovery Pt, Discovery Bay, CA 94505 Property Records

Contra Costa County property record for 4565 Discovery Pt, Discovery Bay, CA 94505

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,066 sqft · built 1978
Lot Size	0.165 acres (7,200 sqft)
Owner	Trust Name on File
Last Sale	$337,000 (Jun 2013)
Tax Bill	$9,692 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`004-020-011-5`

Property Details

APN / Parcel Number

Primary APN	`004-020-011-5`
Alternative APN	`004-020-011`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,066 sqft Living Area
1st Floor Area	2,608 sqft
2nd Floor Area	1,458 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	7,200 sqft (0.165 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	435 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4565 DISCOVERY PT
City	DISCOVERY BAY
State	CA
Zip	94505-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	F1
Legal Description	TRACT 4077 LOT 42 EX MR
Legal Subdivision	SUBDIVISION 4077
Legal Tract	4077
Legal Lot Number	42
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	EAST CONTRA COSTA
Census Block Group	2
Census Block	2002
Census Tract	304004

Owner

4565 Discovery Pt is owner-occupied and held in a trust since June 2013.

Source: Contra Costa County records, as of August 20, 2026

Owner of Record	Trust Name on File
Mailing Address	4565 DISCOVERY PT, DISCOVERY BAY, CA 94505-9520
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Aug 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage STEWARD CAPITAL
Mar 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERITRUST MORTGAGE CORPORATION
Feb 5, 2020	Reverse Mortgage, Transfer FINANCE OF AMERICA REVERSE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2013 · Amount on File
Deed Sale	Jun 18, 2013 · Amount on File
Deed Document Number	2013153811
Prior Transfer Date	Jan 7, 1997
Prior Transfer Doc	0000037374
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 12, 2026
Property Address	4565 DISCOVERY PT, DISCOVERY BAY, CA 94505-9520
Document Number	0000085106
Instrument Date	Aug 10, 2026
Instrument	202685106
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	8340 BRENTWOOD BLVD, BRENTWOOD, CA 94513-1113

Mortgage

Document Number	0000085106,
Date	Aug 12, 2026
Instrument	202685106

Lender

Name	STEWARD CAPITAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.49%
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4565 DISCOVERY PT, DISCOVERY BAY, CA 94505-9520
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4565 DISCOVERY PT, DISCOVERY BAY, CA 94505-9520

Mortgage

Document Number	0000026336
Date	Mar 18, 2026
Instrument	2026- 026336

Lender

Name	AMERITRUST MORTGAGE CORPORATION
Address	17341 IRVINE BLVD STE 285, TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

February 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 5, 2020
Property Address	4565 DISCOVERY PT, DISCOVERY BAY, CA 94505-9520
Document Number	0000022272
Instrument Date	Jan 28, 2020
Instrument	22272
Transaction Type	Transfer
Record Updated	Mar 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4565 DISCOVERY PT DISCOVERY BAY CA 945059520, DISCOVERY BAY, CA 94505-9520

Mortgage

Document Number	22273
Date	Feb 5, 2020
Instrument	22273

Lender

Name	FINANCE OF AMERICA REVERSE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Amount	Amount on Record
Term	876 Months
Due	Feb 4, 2093

Tax Assessment & Valuation

The 2025 property tax bill for 4565 Discovery Pt was $9,692 with a homeowner's exemption.

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		$743,990 (+2%) Land $224,509 Building $519,481
2025	$9,692.00 Homeowner's exemption	$729,403 Land $220,107 Building $509,296
2023	$9,090.00 (+1.59%) Homeowner's exemption	$701,081 Land $211,561 Building $489,520
2022	$8,948.00

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

Flood

FEMA maps place 4565 Discovery Pt in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	10 (1982–2017)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms And Flooding, Mar 1998 · 2 claims

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 4565 Discovery Pt is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within 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 377 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Matrix Broadband.

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