5440 Sutter Ave, Richmond, CA 94804 Property Records

Contra Costa County property record for 5440 Sutter Ave, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 799 sqft · built 1941
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Sep 2025)
Tax Bill	$2,823 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Nov 2017 Reverse Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`507-150-003-6`

Property Details

APN / Parcel Number

Primary APN	`507-150-003-6`
Alternative APN	`507-150-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	799 sqft Living Area
1st Floor Area	799 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	5440 SUTTER AVE
City	RICHMOND
State	CA
Zip	94804-5251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICHMOND ANNEX LOTS 10 & 11 BLK 50
Legal Subdivision	RICHMOND ANX
Legal Block	50
Legal Lot Number	10,11
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3008
Census Tract	383000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 8, 2017	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
May 23, 2022	Intrafamily Transfer, Transfer
Oct 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 24, 2020	Affidavit of Death, Transfer NOT AVAILABLE
Jan 23, 2019	Quit Claim Deed, Transfer Quitclaim
Jan 23, 2019	Affidavit of Death, Transfer
Nov 3, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Deed Document Number	202591193
Prior Transfer Date	May 12, 2022
Prior Transfer Doc	0000087125
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Transaction Type	Mortgage
Record Updated	Jan 10, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251

Mortgage

Document Number	0000000197
Date	Jan 2, 2024
Instrument	2024-000197

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000211336
Date	Nov 8, 2017
Instrument	2017-211336

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.72%
Type Change Date	Dec 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	May 23, 2022
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Document Number	0000087125
Map Reference	MB 6 PG 144
Instrument Date	May 12, 2022
Instrument	2022-087125
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 Trust
Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 9, 2020
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Document Number	0000233217
Map Reference	MB 6 PG 144
Instrument Date	Sep 30, 2020
Instrument	2020-233217
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

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
Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251

Mortgage

Document Number	0000233218
Date	Oct 9, 2020
Instrument	2020-233218

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 28, 2020
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Document Number	0000080028
Instrument Date	Apr 23, 2020
Instrument	80028
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 SUTTER AVE RICHMOND CA 948045251, RICHMOND, CA 94804-5251

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 24, 2020
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Document Number	0000015032
Instrument Date	Jan 24, 2020
Instrument	15032
Transaction Type	Transfer
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5440 SUTTER AVE RICHMOND CA 948045251, RICHMOND, CA 94804-5251

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 23, 2019
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Document Number	0000009837
Instrument Date	Jan 9, 2019
Instrument	9837
Transaction Type	Transfer
Record Updated	Feb 1, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5440 SUTTER AVE RICHMOND CA 948045251, RICHMOND, CA 94804-5251

January 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 23, 2019
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Document Number	0000009836
Instrument Date	Jan 9, 2019
Instrument	9836
Transaction Type	Transfer
Record Updated	Feb 1, 2019

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 SUTTER AVE RICHMOND CA 948045251, RICHMOND, CA 94804-5251

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	5440 SUTTER AVE, RICHMOND, CA 94804-5251
Document Number	0000211337
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5440 SUTTER AVE RICHMOND CA 948045251, RICHMOND, CA 94804-5251

Mortgage

Document Number	0000211337
Date	Nov 8, 2017
Instrument	211337

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.72%

Tax Assessment & Valuation

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		$715,000 (+1,373.86%) Land $500,000 Building $215,000
2025	$2,823.00 (+2.17%) Homeowner's exemption	$48,512 (+4.04%) Land $21,540 Building $26,972
2023	$2,763.00 (+2.37%) Homeowner's exemption	$46,630 Land $20,704 Building $25,926
2022	$2,699.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 10 (0% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1981–1983)
Most Recent Claim	Dec 1983 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land 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	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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile.

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