604 13th St, Richmond, CA 94801 Property Records

Contra Costa County property record for 604 13th St, Richmond, CA 94801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,380 sqft · built 1990
Lot Size	0.059 acres (2,552 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,524 (2025)
Deeds & Mortgages	Feb 2023 Reverse Mortgage Mar 2020 Reverse Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`534-162-008-5`

Property Details

APN / Parcel Number

Primary APN	`534-162-008-5`
Alternative APN	`534-162-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,380 sqft Living Area
1st Floor Area	587 sqft
2nd Floor Area	793 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	2,552 sqft (0.059 acres)
Garage Type	Attached
Garage Area	207 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	604 13TH ST
City	RICHMOND
State	CA
Zip	94801-2730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1CD
Legal Description	PCL MAP 98 PG 21 PCL A
Legal Tract	98PM21
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3000
Census Tract	376000

Owner

604 13th St is owned and occupied by two individuals who acquired it in July 2019.

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	604 13TH ST, RICHMOND, CA 94801-2730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Mar 10, 2020	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA MORTGAGE LLC
Feb 9, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Mar 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Dec 20, 2019	Quit Claim Deed, Transfer OLD REPUBLIC TITLE
Dec 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 8, 2019
Transfer Doc	0000229233
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	604 13TH ST, RICHMOND, CA 94801-2730
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 13TH ST, RICHMOND, CA 94801-2730

Mortgage

Document Number	0000017676
Date	Feb 27, 2023
Instrument	2023-017676

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.7%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	604 13TH ST, RICHMOND, CA 94801-2730
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044910
Date	Mar 10, 2020
Instrument	2020-044910

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.63%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	604 13TH ST, RICHMOND, CA 94801-2730
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 13TH ST, RICHMOND, CA 94801-2730

Mortgage

Document Number	0000024590
Date	Feb 9, 2022
Instrument	2022-024590

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	870 Months
Due	Aug 19, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.73%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2021
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.7%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	604 13TH ST, RICHMOND, CA 94801-2730
Document Number	0000044911
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	604 13TH ST RICHMOND CA 948012730, RICHMOND, CA 94801-2730

Mortgage

Document Number	0000044911
Date	Mar 10, 2020
Instrument	44911

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.63%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 20, 2019
Property Address	604 13TH ST, RICHMOND, CA 94801-2730
Document Number	0000229233
Instrument Date	Jul 8, 2019
Instrument	229233
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	604 13TH ST RICHMOND CA 948012730, RICHMOND, CA 94801-2730

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 20, 2019
Property Address	604 13TH ST, RICHMOND, CA 94801-2730
Document Number	0000229234
Instrument Date	Jul 8, 2019
Instrument	229234
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	604 13TH ST RICHMOND CA 948012730, RICHMOND, CA 94801-2730

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 23, 2018
Property Address	604 13TH ST, RICHMOND, CA 94801-2730
Document Number	0000116950
Instrument Date	Mar 9, 2018
Instrument	116950
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 13TH ST RICHMOND CA 948012730, RICHMOND, CA 94801-2730

Tax Assessment & Valuation

The 2025 property tax bill for 604 13th St was $8,524.

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		$501,977 (+2%) Land $290,031 Building $211,946
2025	$8,524.00	$492,136 Land $284,345 Building $207,791
2023	$8,232.00 (+1.83%)	$473,027 Land $273,304 Building $199,723
2022	$8,084.00

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

Flood

FEMA maps place 604 13th St 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

The area around 604 13th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 715 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, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: Etheric Networks, GeoLinks, T-Mobile.

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