5246 S Montecito Dr, Concord, CA 94521 Property Records

Contra Costa County property record for 5246 S Montecito Dr, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,358 sqft · built 2002
Lot Size	0.454 acres (19,795 sqft)
Owner	Individual Name on File
Last Sale	$1,680,000 (Nov 2024)
Tax Bill	$12,335 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135-400-030-7`

Property Details

APN / Parcel Number

Primary APN	`135-400-030-7`
Alternative APN	`135-400-030`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,358 sqft Living Area
1st Floor Area	1,693 sqft
2nd Floor Area	1,665 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Cluster
Lot Area	19,795 sqft (0.454 acres)
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5246 S MONTECITO DR
City	CONCORD
State	CA
Zip	94521-5502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	T8437 L167
Legal Subdivision	SUBDIVISION 8437
Legal Tract	8437
Legal Lot Number	167
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2009
Census Tract	355309

Owner

5246 S Montecito Dr is owned and occupied by an individual who bought it in November 2024.

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

Owner of Record	Individual Name on File
Mailing Address	674 23RD AVE, SAN FRANCISCO, CA 94121-3709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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 27, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 11, 2019	Deed of Trust, Mortgage CITADEL SVCNG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2024 · Amount on File
Deed Sale	Nov 22, 2024 · Amount on File
Prior Sale	Dec 26, 2002 · Amount on File
Deed Document Number	2024126647
Prior Transfer Date	Mar 9, 2006
Prior Transfer Doc	0000097732
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5246 S MONTECITO DR, CONCORD, CA 94521-5502
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5246 S MONTECITO DR, CONCORD, CA 94521-5502

Mortgage

Document Number	0000028331
Date	Mar 27, 2024
Instrument	2024-028331

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5246 S MONTECITO DR, CONCORD, CA 94521-5502
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5246 S MONTECITO DR, CONCORD, CA 94521-5502

Mortgage

Document Number	0000310829
Date	Dec 11, 2020
Instrument	2020-310829

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5246 S MONTECITO DR, CONCORD, CA 94521-5502
Document Number	0000022698
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5246 S MONTECITO DR CONCORD CA 945215502, CONCORD, CA 94521-5502

Mortgage

Document Number	0000022698
Date	Feb 20, 2019
Instrument	22698

Lender

Name	CITADEL SVCNG CORP
Address	IRVINE, CA 92618

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.95%

Tax Assessment & Valuation

The 2025 property tax bill for 5246 S Montecito Dr was $12,335 with a homeowner's exemption.

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		$1,713,600 (+65.8%) Land $714,000 Building $999,600
2025	$12,335.00 Homeowner's exemption	$1,033,508 Land $398,280 Building $635,228
2023	$11,823.00 (+1.22%) Homeowner's exemption	$993,377 Land $382,815 Building $610,562
2022	$11,681.00

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

Flood

FEMA maps place 5246 S Montecito Dr in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 5246 S Montecito Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect 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	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 376 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

May also be available: AT&T.

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