638 28th St, Richmond, CA 94804 Property Records

Contra Costa County property record for 638 28th St, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,866 sqft · built 1947
Lot Size	0.172 acres (7,500 sqft)
Owner	Trust Name on File
Last Sale	$410,000 (Sep 2003)
Tax Bill	$9,752 (2025)
Deeds & Mortgages	Feb 2022 Transfer Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`515-090-019-8`

Property Details

APN / Parcel Number

Primary APN	`515-090-019-8`
Alternative APN	`515-090-019`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,866 sqft Living Area
1st Floor Area	1,866 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1957
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Attached
Garage Area	368 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	638 28TH ST
City	RICHMOND
State	CA
Zip	94804-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR3
Legal Description	NICH MAC AVE CIV CEN LTS 16 TO 18 BLK 28
Legal Subdivision	NICHOLL MACDONALD AVE CIVIC
Legal Block	28
Legal Lot Number	16-18
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1014
Census Tract	374000

Owner

638 28th St is owner-occupied and held in a trust since February 2022.

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	Trust Name on File
Mailing Address	638 28TH ST, RICHMOND, CA 94804-1518
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE CO
Feb 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2003 · Amount on File
Deed Sale	Sep 26, 2003 · Amount on File
Deed Document Number	2003483415
Last Transfer Date	Feb 9, 2022
Transfer Doc	0000029100
Record Updated	Sep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 15, 2022
Property Address	638 28TH ST, RICHMOND, CA 94804-1518
Document Number	0000029100
Map Reference	MB 8 PG 190
Instrument Date	Feb 9, 2022
Instrument	2022-029100
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE CO

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 Living Trust
Address	638 28TH ST, RICHMOND, CA 94804-1518

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 15, 2022
Property Address	638 28TH ST, RICHMOND, CA 94804-1518
Document Number	0000029098
Map Reference	MB 8 PG 190
Instrument Date	Feb 9, 2022
Instrument	2022-029098
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	638 28TH ST, RICHMOND, CA 94804-1518

Mortgage

Document Number	0000029099
Date	Feb 15, 2022
Instrument	2022-029099

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jun 25, 2019
Property Address	638 28TH ST, RICHMOND, CA 94804-1518
Document Number	0000096814
Instrument Date	Jun 18, 2019
Instrument	96814
Transaction Type	Transfer
Record Updated	Jul 3, 2019
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
Relationship	Living Trust
Address	638 28TH ST RICHMOND CA 948041518, RICHMOND, CA 94804-1518

Tax Assessment & Valuation

The 2025 property tax bill for 638 28th St was $9,752 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	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$594,568 (+2%) Land $395,609 Building $198,959
2025	$9,752.00 Homeowner's exemption	$582,910 Land $387,852 Building $195,058
2023	$9,407.00 (+1.76%) Homeowner's exemption	$560,278 Land $372,793 Building $187,485
2022	$9,244.00

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

Flood

FEMA maps place 638 28th St 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 10 (0% 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

The area around 638 28th 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 1,276 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 · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks.

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