644 Center St, Walnut Creek, CA 94595 Property Records

Contra Costa County property record for 644 Center St, Walnut Creek, CA 94595

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,201 sqft · built 1963
Lot Size	0.399 acres (17,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Jul 2023)
Tax Bill	$15,067 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`184-140-039-1`

Property Details

APN / Parcel Number

Primary APN	`184-140-039-1`
Alternative APN	`184-140-039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,201 sqft Living Area
1st Floor Area	1,201 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	17,400 sqft (0.399 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	644 CENTER ST
City	WALNUT CREEK
State	CA
Zip	94595-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	DEWING PARK EXT POR LOT 9 BLK E
Legal Subdivision	DEWING PARK EXT
Legal Block	E
Legal Lot Number	9
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1010
Census Tract	341000

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	644 CENTER ST, WALNUT CREEK, CA 94595-1332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NYS
Jul 17, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Deed Document Number	202367576
Prior Transfer Date	Aug 5, 2004
Prior Transfer Doc	0000306866
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	May 12, 2026
Property Address	644 CENTER ST, WALNUT CREEK, CA 94595-1332
Document Number	0000049042
Instrument Date	May 4, 2026
Instrument	202649042
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	644 CENTER ST, WALNUT CREEK, CA 94595-1332

Mortgage

Document Number	0000049042,
Date	May 12, 2026
Instrument	202649042

Lender

Name	CITIBANK NYS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 17, 2023
Property Address	644 CENTER ST, WALNUT CREEK, CA 94595-1332
Document Number	0000067576
Map Reference	VOL 15 PG 314
Instrument Date	Jul 12, 2023
Instrument	2023-067576
Transaction Type	Transfer
Record Updated	Jul 26, 2023
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 with Right of Survivorship
Address	2120 CHESTNUT ST, SAN FRANCISCO, CA 94123-2756

Mortgage

Document Number	0000067577
Date	Jul 17, 2023
Instrument	2023-067577

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Index	1-Year T-Bill
Max Rate	11.7%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	644 CENTER ST, WALNUT CREEK, CA 94595-1332
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 CENTER ST, WALNUT CREEK, CA 94595-1332

Mortgage

Document Number	0000237688
Date	Aug 25, 2021
Instrument	2021-237688

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Walnut Creek Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,300,500 (+2%) Land $1,040,400 Building $260,100
2025	$15,067.00 (+792.07%) Homeowner's exemption	$1,275,000 (+1,288.33%) Land $1,020,000 Building $255,000
2023	$1,689.00 (+1.81%) Homeowner's exemption	$91,837 (+2%) Land $42,383 Building $49,454
2022	$1,659.00 Homeowner's exemption	$90,037 Land $41,552 Building $48,485

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1993–1999)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 1999 · river or lake 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	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: Etheric Networks.

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