478 Kim St, Bay Point (Pittsburg), CA 94565 Property Records

Contra Costa County property record for 478 Kim St, Bay Point, CA 94565

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,818 sqft · built 1989
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$626,000 (Oct 2025)
Tax Bill	$7,086 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2025 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`098-412-024-6`

Property Details

APN / Parcel Number

Primary APN	`098-412-024-6`
Alternative APN	`098-412-024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,818 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	938 sqft
2nd Floor Area	880 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	478 KIM ST
City	BAY POINT
State	CA
Zip	94565-1585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Description	T05533 L0044 B
Legal Subdivision	SUBDIVISION 5533
Legal Tract	05533
Legal Lot Number	44
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	ANTIOCH-PITTSBURG
Census Block Group	2
Census Block	2005
Census Tract	314103

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	478 KIM ST, BAY POINT, CA 94565-1585
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Oct 29, 2025	Grant Deed, Transfer · Conventional Mortgage PATELCO CU
Nov 1, 2022	Grant Deed, Transfer
Aug 29, 2022	Grant Deed, Transfer ACCOMODATION, ACCOMMODATION
May 5, 2022	Grant Deed, Transfer ACCOMODATION, ACCOMMODATION
Feb 4, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 4, 2022	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Dec 10, 2021	Grant Deed, Transfer · Commercial Mortgage GRAND HORIZON INC
Jun 17, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Dec 10, 2021 · Amount on Record
Deed Document Number	2025114708
Prior Transfer Date	Jan 31, 2022
Prior Transfer Doc	0000022439
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 KIM ST, BAY POINT, CA 94565-1585

Mortgage

Document Number	0000155538
Date	Oct 18, 2022
Instrument	2022-155538

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 29, 2025
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000114708
Map Reference	MB 241 PG 10 - 16
Instrument Date	Oct 24, 2025
Instrument	2025- 114708
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	478 KIM ST, BAY POINT, CA 94565-1585

Mortgage

Document Number	0000114709
Date	Oct 29, 2025
Instrument	2025- 114709

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	11.7%

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 1, 2022
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000168804
Map Reference	MB 241 PG 10-16
Instrument Date	Aug 24, 2022
Instrument	2022-168804
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29248 ALBATROSS RD, 29248, HAYWARD, CA 94545-1325

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 29, 2022
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000132993
Map Reference	MB 241 PG 10-16
Instrument Date	Aug 24, 2022
Instrument	2022-132993
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	29248 ALBATROSS RD, HAYWARD, CA 94545-1325

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 5, 2022
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000077863
Map Reference	MB 241 PG 10-16
Instrument Date	Mar 16, 2022
Instrument	2022-077863
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29248 ALBATROSS RD, HAYWARD, CA 94545-1325

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 4, 2022
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000022439
Map Reference	MB 241 PG 10-16
Instrument Date	Jan 31, 2022
Instrument	2022-022439
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

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	Tenants in Common
Address	478 KIM ST, BAY POINT, CA 94565-1585

Mortgage

Document Number	0000022440
Date	Feb 4, 2022
Instrument	2022-022440

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.37%
Index	Other
Max Rate	7.37%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 4, 2022
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000022438
Map Reference	MB 241 PG 10-16
Instrument Date	Jan 28, 2022
Instrument	2022-022438
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

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	478 KIM ST, BAY POINT, CA 94565-1585

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 10, 2021
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000336240
Map Reference	MB 241 PG 10-16
Instrument Date	Dec 8, 2021
Instrument	2021-336240
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 KIM ST, BAY POINT, CA 94565-1585

Mortgage

Document Number	0000336241
Date	Dec 10, 2021
Instrument	2021-336241

Lender

Name	GRAND HORIZON INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 1, 2022

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 17, 2020
Property Address	478 KIM ST, BAY POINT, CA 94565-1585
Document Number	0000117991
Map Reference	MB 241 PG 10-16
Instrument Date	May 15, 2020
Instrument	2020-117991
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 KIM ST, BAY POINT, CA 94565-1585

Mortgage

Document Number	0000117992
Date	Jun 17, 2020
Instrument	2020-117992

Lender

Name	AMERICAN HOME LOANS
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$626,000 (+12.9%) Land $280,000 Building $346,000
2025	$7,086.00 (+4.65%)	$554,480 (+4.04%) Land $318,362 Building $236,118
2023	$6,771.00 (+9.4%)	$532,950 Land $306,000 Building $226,950
2022	$6,189.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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	Not rated no burnable land 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	GOLDEN STATE WATER COMPANY - BAY POINT private · serves 23,765 people · EPA ID CA0710002
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024–2026) 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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Unwired.

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