5181 Heritage Dr, Concord, CA 94521 Property Records

Contra Costa County property record for 5181 Heritage Dr, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,714 sqft · built 2001
Lot Size	0.262 acres (11,392 sqft)
Owner	2 Individual Names on File
Last Sale	$1,380,000 (Mar 2022)
Tax Bill	$12,742 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`117-020-081-8`

Property Details

APN / Parcel Number

Primary APN	`117-020-081-8`
Alternative APN	`117-020-081`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,714 sqft Living Area
1st Floor Area	2,714 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	11,392 sqft (0.262 acres)
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5181 HERITAGE DR
City	CONCORD
State	CA
Zip	94521-3179
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8418 L6
Legal Subdivision	SUBDIVISION 8418
Legal Tract	8418
Legal Lot Number	6
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2000
Census Tract	333102

Owner

Source: Contra Costa County assessment roll, 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 File
Mailing Address	5181 HERITAGE DR, CONCORD, CA 94521-3179
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Dec 24, 2001 · Amount on Record
Deed Document Number	202244740
Record Updated	Sep 20, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 14, 2022
Property Address	5181 HERITAGE DR, CONCORD, CA 94521-3179
Document Number	0000044740
Map Reference	MB 430 PG 7
Instrument Date	Mar 4, 2022
Instrument	2022-044740
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	5181 HERITAGE DR, CONCORD, CA 94521-3179

Mortgage

Document Number	0000044741
Date	Mar 14, 2022
Instrument	2022-044741

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Apr 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.5%
Max Rate At Change	4%
Index	Other
Max Rate	7%

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		$1,063,000 (-) Land $662,450 Building $400,550
2025	$12,742.00 (+2.4%)	$1,063,000 (+2.02%) Land $662,450 Building $400,550
2023	$12,443.00 (+21.1%)	$1,042,000 Land $649,000 Building $393,000
2022	$10,275.00

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 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding
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

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	0.02% annual chance
Exposure	None beyond ember reach

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 435 locations within half a mile, as of December 31, 2025

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