643 39th St, Richmond, CA 94805 Property Records

Contra Costa County property record for 643 39th St, Richmond, CA 94805

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,098 sqft · built 1948
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Jan 2020)
Tax Bill	$9,360 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`518-320-003-8`

Property Details

APN / Parcel Number

Primary APN	`518-320-003-8`
Alternative APN	`518-320-003`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,098 sqft Living Area
1st Floor Area	1,098 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	2,500 sqft (0.057 acres)
Garage Area	185 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	643 39TH ST
City	RICHMOND
State	CA
Zip	94805-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SPAULD RICH PULL TWNST LOT 26 BLK 39
Legal Subdivision	SPAULDING RICHMOND-PULLMAN
Legal Block	39
Legal Lot Number	26
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3012
Census Tract	371000

Owner

643 39th St is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	643 39TH ST, RICHMOND, CA 94805-1805
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 9, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 12, 2018	Deed of Trust, Mortgage · FHA Mortgage GOLDWATER BANK NA
Jan 31, 2020	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2020 · Amount on File
Deed Sale	Jan 31, 2020 · Amount on File
Prior Sale	Aug 24, 2016 · Amount on File
Deed Document Number	202019904
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	643 39TH ST, RICHMOND, CA 94805-1805
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 39TH ST, RICHMOND, CA 94805-1805

Mortgage

Document Number	0000040234
Date	Feb 9, 2021
Instrument	2021-040234

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Apr 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	643 39TH ST, RICHMOND, CA 94805-1805
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 39TH ST, RICHMOND, CA 94805-1805

Mortgage

Document Number	0000000967
Date	Jan 4, 2022
Instrument	2022-000967

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	643 39TH ST, RICHMOND, CA 94805-1805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037535
Date	Mar 12, 2018
Instrument	2018-037535

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jan 31, 2020
Property Address	643 39TH ST, RICHMOND, CA 94805-1805
Document Number	0000019904
Map Reference	MB 4 PG 80
Instrument Date	Jan 12, 2020
Instrument	2020-019904
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TICOR TITLE SAN DIEGO

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
Address	643 39TH ST, RICHMOND, CA 94805-1805

Mortgage

Document Number	0000019905
Date	Jan 31, 2020
Instrument	2020-019905

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 643 39th St was $9,360.

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		$563,331 (+2%) Land $368,118 Building $195,213
2025	$9,360.00	$552,286 Land $360,900 Building $191,386
2023	$9,033.00 (+1.77%)	$530,842 Land $346,887 Building $183,955
2022	$8,876.00

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

Flood

FEMA maps place 643 39th 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 643 39th 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 949 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks.

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