5295 Crystyl Ranch Dr, Concord, CA 94521 Property Records

Contra Costa County property record for 5295 Crystyl Ranch Dr, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,415 sqft · built 2001
Lot Size	0.226 acres (9,844 sqft)
Owner	2 Individual Names on File
Last Sale	$1,320,000 (Nov 2025)
Tax Bill	$11,223 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Mar 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`121-400-053-9`

Property Details

APN / Parcel Number

Primary APN	`121-400-053-9`
Alternative APN	`121-400-053`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,415 sqft Living Area
1st Floor Area	2,415 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Architectural Style	Cluster
Lot Area	9,844 sqft (0.226 acres)
Garage Type	Attached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5295 CRYSTYL RANCH DR
City	CONCORD
State	CA
Zip	94521-5444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8094 L405
Legal Subdivision	SUBDIVISION 8094
Legal Tract	8094
Legal Lot Number	405
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2005
Census Tract	355309

Owner

5295 Crystyl Ranch Dr is owned and occupied by two individuals who bought it in November 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Sep 4, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 15, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on File
Deed Sale	Nov 13, 2025 · Amount on File
Prior Sale	Oct 31, 2014 · Amount on File
Deed Document Number	2025127662
Prior Transfer Date	Nov 18, 2011
Prior Transfer Doc	0000259427
Record Updated	Oct 29, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 13, 2025
Property Address	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444
Document Number	0000127662
Map Reference	MB 401 PG 12
Instrument Date	Oct 27, 2025
Instrument	2025- 127662
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444

Mortgage

Document Number	0000127663
Date	Nov 13, 2025
Instrument	2025- 127663

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	1-Year CMT
Max Rate	11%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL IRVINE CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054075
Date	Mar 19, 2020
Instrument	2020-054075

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

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	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY CONCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444

Mortgage

Document Number	0000321415
Date	Dec 22, 2020
Instrument	2020-321415

Lender

Name	UNITED WHOLESALE MORTGAGE LLC
Type	Non-Lending Institution
Address	PONTIAC, MI 48341

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444
Document Number	0000150949
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5295 CRYSTYL RANCH DR CONCORD CA 945215444, CONCORD, CA 94521-5444

Mortgage

Document Number	0000150949
Date	Sep 20, 2018
Instrument	150949

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5295 CRYSTYL RANCH DR, CONCORD, CA 94521-5444
Document Number	0000102943
Instrument Date	Jun 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 4, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5295 CRYSTYL RANCH DR CONCORD CA 945215444, CONCORD, CA 94521-5444

Mortgage

Document Number	0000102943
Date	Jun 28, 2018
Instrument	102943

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5295 Crystyl Ranch Dr was $11,223.

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		$1,083,513 (+17.08%) Land $584,175 Building $499,338
2025	$11,223.00	$925,414 Land $420,641 Building $504,773
2023	$10,755.00 (+1.96%) Homeowner's exemption	$889,481 Land $404,308 Building $485,173
2022	$10,548.00

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

Flood

FEMA maps place 5295 Crystyl Ranch 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 5295 Crystyl Ranch Dr is high, ranking above 79% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 57% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 207 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Unwired.

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