5304 N Montecito Ct, Concord, CA 94521 Property Records

Contra Costa County property record for 5304 N Montecito Ct, Concord, CA 94521

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,960 sqft · built 2003
Lot Size	0.144 acres (6,276 sqft)
Owner	Trust Name on File
Last Sale	$993,000 (Jun 2019)
Tax Bill	$13,232 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`135-390-061-4`

Property Details

APN / Parcel Number

Primary APN	`135-390-061-4`
Alternative APN	`135-390-061`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,960 sqft Living Area
1st Floor Area	1,537 sqft
2nd Floor Area	1,423 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cluster
Lot Area	6,276 sqft (0.144 acres)
Garage Type	Attached
Garage Area	477 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	5304 N MONTECITO CT
City	CONCORD
State	CA
Zip	94521-5518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T8437 L61
Legal Subdivision	SUBDIVISION 8437
Legal Tract	8437
Legal Lot Number	61
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2007
Census Tract	355309

Owner

5304 N Montecito Ct is held in a trust since June 2019.

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

Owner of Record	Trust Name on File
Mailing Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518
Owner Type	Company
Vesting	Trust

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
Aug 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 15, 2022	Intrafamily Transfer, Transfer
Jun 3, 2019	Grant Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Aug 29, 2017	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2019 · Amount on File
Deed Sale	Jun 3, 2019 · Amount on File
Prior Sale	Aug 29, 2017 · Amount on File
Deed Document Number	201981290
Prior Transfer Date	Apr 6, 2007
Prior Transfer Doc	0000111315
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000166353
Date	Aug 11, 2020
Instrument	2020-166353

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 15, 2022
Property Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518
Document Number	0000139759
Map Reference	MB 438 PG 15-28
Instrument Date	Sep 9, 2022
Instrument	2022-139759
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 3, 2019
Property Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518
Document Number	0000081290
Map Reference	MB 438 PG 15-28
Instrument Date	May 29, 2019
Instrument	2019-081290
Transaction Type	Transfer
Record Updated	Nov 3, 2022
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	Community Property with Right of Survivorship
Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518

Mortgage

Document Number	0000081291
Date	Jun 3, 2019
Instrument	2019-081291

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 29, 2017
Property Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518
Document Number	0000157027
Map Reference	MB438 PG15-28
Instrument Date	Aug 25, 2017
Instrument	2017-157027
Transaction Type	Transfer
Record Updated	Nov 3, 2022
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	Community Property with Right of Survivorship
Address	5304 N MONTECITO CT, CONCORD, CA 94521-5518

Mortgage

Document Number	0000157028
Date	Aug 29, 2017
Instrument	2017-157028

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 5304 N Montecito Ct was $13,232.

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		$1,129,857 (+2%) Land $512,020 Building $617,837
2025	$13,232.00	$1,107,704 Land $501,981 Building $605,723
2023	$12,690.00 (+1.17%)	$1,064,693 Land $482,490 Building $582,203
2022	$12,543.00

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

Flood

FEMA maps place 5304 N Montecito Ct 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 5304 N Montecito Ct is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 72% of California
Wildfire Likelihood	0.1% 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 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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