4644 Phyllis Ln, Concord, CA 94521 Property Records

Contra Costa County property record for 4644 Phyllis Ln, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,673 sqft · built 1964
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$384,500 (Feb 2022)
Tax Bill	$10,525 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`115-392-007-7`

Property Details

APN / Parcel Number

Primary APN	`115-392-007-7`
Alternative APN	`115-392-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,673 sqft Living Area
1st Floor Area	1,673 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1970
Lot Area	8,000 sqft (0.184 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	4644 PHYLLIS LN
City	CONCORD
State	CA
Zip	94521-2045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7
Legal Description	TRACT 3180 LOT 90 EX POR MR
Legal Subdivision	OAKROYAL SUB 3180
Legal Tract	3180
Legal Lot Number	90
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2007
Census Tract	333200

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	4644 PHYLLIS LN, CONCORD, CA 94521-2045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Feb 22, 2022	Intrafamily Transfer, Transfer COMMONWEALTH LAND TITLE COMPANY/PUG, COMMONWEALTH LAND TITLE CO
Jun 16, 2020	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jun 16, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2022 · Amount on Record
Deed Sale	Feb 22, 2022 · Amount on Record
Prior Sale	Jun 16, 2020 · Amount on Record
Deed Document Number	202232343
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	4644 PHYLLIS LN, CONCORD, CA 94521-2045
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4644 PHYLLIS LN, CONCORD, CA 94521-2045

Mortgage

Document Number	0000040338
Date	Mar 7, 2022
Instrument	2022-040338

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 22, 2022
Property Address	4644 PHYLLIS LN, CONCORD, CA 94521-2045
Document Number	0000032343
Map Reference	MB 93 PG 7
Instrument Date	Feb 18, 2022
Instrument	2022-032343
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	COMMONWEALTH LAND TITLE COMPANY/PUG, COMMONWEALTH LAND TITLE CO

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
Relationship	Community Property with Right of Survivorship
Address	4644 PHYLLIS LN, CONCORD, CA 94521-2045

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 16, 2020
Property Address	4644 PHYLLIS LN, CONCORD, CA 94521-2045
Document Number	0000115966
Instrument Date	Jun 11, 2020
Instrument	115966
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1370 LAS JUNTAS WAY #D WALNUT CREEK CA 945972087, D, WALNUT CREEK, CA 94597-2087

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 16, 2020
Property Address	4644 PHYLLIS LN, CONCORD, CA 94521-2045
Document Number	0000115969
Instrument Date	Jun 1, 2020
Instrument	115969
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4733 SUNNY PL CONCORD CA 945212009, CONCORD, CA 94521-2009

Mortgage

Document Number	115970
Date	Jun 16, 2020
Instrument	115970

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

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		$862,000 (-) Land $563,175 Building $298,825
2025	$10,525.00 (+0.91%)	$862,000 (+0.23%) Land $563,174 Building $298,826
2023	$10,430.00 (+25.53%)	$860,000 Land $560,000 Building $300,000
2022	$8,309.00

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	0.01% 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	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 633 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
AT&T DSL	100 / 20

May also be available: Verizon.

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