Contra Costa County property record for 5198 Heritage Dr, Concord, CA 94521
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,731 sqft · built 2001 |
| Lot Size | 0.28 acres (12,212 sqft) |
| Owner | Individual Name on File |
| Last Sale | $950,000 (Aug 2018) |
| Tax Bill | $12,623 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Jun 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 117-020-085-9 |
| Primary APN | 117-020-085-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,731 sqft Living Area |
| 1st Floor Area | 2,731 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 12,212 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 637 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 5198 HERITAGE DR |
|---|---|
| City | CONCORD |
| State | CA |
| Zip | 94521-3178 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T8418 L10 |
| Legal Subdivision | 8418 AMBER GROVE |
| Legal Tract | 8418 |
| Legal Lot Number | 10 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | CENTRAL CONTRA COSTA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 333102 |
5198 Heritage Dr is owned and occupied by an individual who bought it in August 2018.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5198 HERITAGE DR, CONCORD, CA 94521-3178 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jun 24, 2019 | Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HM LNDG INC |
| Aug 8, 2018 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2018 · Amount on File |
| Deed Sale | Aug 8, 2018 · Amount on File |
| Prior Sale | Aug 2, 2007 · Amount on File |
| Deed Document Number | 2018126227 |
| Prior Transfer Date | Feb 10, 2012 |
| Prior Transfer Doc | 0000034067 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 5198 HERITAGE DR, CONCORD, CA 94521-3178 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000128031 |
|---|---|
| Date | Dec 1, 2023 |
| Instrument | 2023-128031 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CONCORD, CA 94521 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 24, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 5198 HERITAGE DR, CONCORD, CA 94521-3178 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Title Company | TITLE CONNECT INC SANTA ANA |
| Name | Verified Name |
|---|
| Document Number | 0000095951 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 2019-095951 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 5198 HERITAGE DR, CONCORD, CA 94521-3178 |
| Document Number | 0000216242 |
| Instrument Date | Sep 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5198 HERITAGE DR CONCORD CA 945213178, CONCORD, CA 94521-3178 |
| Document Number | 0000216242 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 216242 |
| Name | MILLENNIAL HM LNDG INC |
|---|---|
| Address | CHATSWORTH, CA 91311 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 24, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Recording Date | Aug 8, 2018 |
| Property Address | 5198 HERITAGE DR, CONCORD, CA 94521-3178 |
| Document Number | 0000126227 |
| Map Reference | MB 430 PG 7-11 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 2018-126227 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE COMP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5198 HERITAGE DR, CONCORD, CA 94521-3178 |
| Document Number | 0000126228 |
|---|---|
| Date | Aug 8, 2018 |
| Instrument | 2018-126228 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 5198 Heritage Dr was $12,623 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Municipality | Concord City |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,080,817 (+2%) Land $432,371 Building $648,446 | |
| 2025 | $12,623.00 Homeowner's exemption | $1,059,626 Land $423,894 Building $635,732 |
| 2023 | $12,101.00 (+1.19%) Homeowner's exemption | $1,018,482 Land $407,435 Building $611,047 |
| 2022 | $11,959.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 5198 Heritage Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.
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 |
|
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 risk around 5198 Heritage Dr is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
| Astound Broadband Cable | 1,500 / 50 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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