520 Payne Dr, Richmond (San Pablo), CA 94806 Property Records

Contra Costa County property record for 520 Payne Dr, Richmond, CA 94806

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,261 sqft · built 1950
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Jun 2019)
Tax Bill	$8,270 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`408-032-036-1`

Property Details

APN / Parcel Number

Primary APN	`408-032-036-1`
Alternative APN	`408-032-036`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,261 sqft Living Area
1st Floor Area	1,261 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	520 PAYNE DR
City	SAN PABLO
State	CA
Zip	94806-1759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PARCHESTER VILLAGE #1 LOT 215
Legal Subdivision	PARACHESTER VILLAGE 01
Legal Lot Number	215
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1031
Census Tract	392201

Owner

520 Payne Dr is owned and occupied by two individuals who bought it in June 2019.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 PAYNE DR, SAN PABLO, CA 94806-1759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 18, 2021	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jun 28, 2019	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Prior Sale	Aug 21, 2014 · Amount on File
Deed Document Number	201999754
Prior Transfer Date	Jun 22, 2010
Prior Transfer Doc	0000127656
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	520 PAYNE DR, RICHMOND, CA 94806-1759
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 PAYNE DR, SAN PABLO, CA 94806-1759

Mortgage

Document Number	0000082396
Date	Mar 18, 2021
Instrument	2021-082396

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 28, 2019
Property Address	520 PAYNE DR, RICHMOND, CA 94806-1759
Document Number	0000099754
Map Reference	MB 38 PG 48&49
Instrument Date	Jun 26, 2019
Instrument	2019-099754
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount 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	Joint Tenants
Address	520 PAYNE DR, SAN PABLO, CA 94806-1759

Mortgage

Document Number	0000099755
Date	Jun 28, 2019
Instrument	2019-099755

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Mortgage

Document Number	0000099757
Date	Jun 28, 2019
Instrument	2019-099757

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 520 Payne Dr was $8,270.

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$506,327 (+2%) Land $329,967 Building $176,360
2025	$8,270.00	$496,400 Land $323,498 Building $172,902
2023	$7,911.00 (+1.48%)	$477,126 Land $310,937 Building $166,189
2022	$7,796.00

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

Flood

FEMA maps place 520 Payne Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 520 Payne Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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