640 Encinal Ct, Walnut Creek, CA 94597 Property Records

Contra Costa County property record for 640 Encinal Ct, Walnut Creek, CA 94597

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,448 sqft · built 1995
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,390,000 (Apr 2021)
Tax Bill	$17,473 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Apr 2021 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`171-220-068`

Property Details

APN / Parcel Number

Primary APN	`171-220-068`
Alternative APN	`171-220-068-0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area
Gross Area	3,201 sqft
1st Floor Area	1,263 sqft
2nd Floor Area	1,185 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Attached
Garage Area	753 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	640 ENCINAL CT
City	WALNUT CREEK
State	CA
Zip	94597-3166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T7542 L3
Legal Subdivision	SUBDIVISION 7542
Legal Tract	7542
Legal Lot Number	3
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4003
Census Tract	340001

Owner

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 Record
Mailing Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Apr 21, 2021	Grant Deed, Transfer · Conventional Mortgage US NATIONAL BANK
Sep 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FREMONT BANK
Sep 28, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jan 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage ELEVEN MTG
Dec 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 23, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 14, 2019	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Mar 14, 2019	Affidavit of Death, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2021 · Amount on Record
Deed Sale	Apr 21, 2021 · Amount on Record
Prior Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	2021118757
Prior Transfer Date	Sep 19, 2020
Prior Transfer Doc	0000218768
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086434
Date	Jun 10, 2019
Instrument	2019-086434

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 21, 2021
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000118757
Map Reference	MB 362 PG 47-49
Instrument Date	Apr 15, 2021
Instrument	2021-118757
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000118758
Date	Apr 21, 2021
Instrument	2021-118758

Lender

Name	US NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 28, 2020
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000218765
Map Reference	MB 362 PG 47
Instrument Date	Sep 19, 2020
Instrument	2020-218765
Transaction Type	Transfer
Record Updated	Nov 3, 2022
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	Community Property with Right of Survivorship
Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000218766
Date	Sep 28, 2020
Instrument	2020-218766

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 28, 2020
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000218768
Instrument Date	Sep 19, 2020
Instrument	218768
Transaction Type	Transfer
Record Updated	Oct 12, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	640 ENCINAL CT WALNUT CREEK CA 945973166, WALNUT CREEK, CA 94597-3166

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000005726
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	640 ENCINAL CT WALNUT CREEK CA 945973166, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000005726
Date	Jan 10, 2020
Instrument	5726

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 9, 2045

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 18, 2019
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000226461
Instrument Date	Nov 13, 2019
Instrument	226461
Transaction Type	Transfer
Record Updated	Dec 31, 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	Revocable Trust
Address	640 ENCINAL CT WALNUT CREEK CA 945973166, WALNUT CREEK, CA 94597-3166

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000145183
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 ENCINAL CT WALNUT CREEK CA 945973166, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000145183
Date	Sep 5, 2019
Instrument	145183

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 14, 2019
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000034960
Instrument Date	Mar 7, 2019
Instrument	34960
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,235.85
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	640 ENCINAL CT WALNUT CREEK CA 945973166, WALNUT CREEK, CA 94597-3166

March 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	CONTRA COSTA CA
Recording Date	Mar 14, 2019
Property Address	640 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000034959
Instrument Date	Mar 1, 2019
Instrument	34959
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	40 SUMMER MEADOWS CT ALAMO CA 945071356, ALAMO, CA 94507-1356

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	Walnut Creek City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,534,670 (+2%) Land $916,386 Building $618,284
2025	$17,473.00 (+3.97%)	$1,504,579 (+4.04%) Land $898,418 Building $606,161
2023	$16,806.00 (+0.87%)	$1,446,156 Land $863,532 Building $582,624
2022	$16,661.00

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

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 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1982–1986)
Most Recent Claim	Feb 1986 · Severe Storms & Flooding

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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Sonic Telecom.

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