645 Encinal Ct, Walnut Creek, CA 94597 Property Records

Contra Costa County property record for 645 Encinal Ct, Walnut Creek, CA 94597

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,601 sqft · built 1995
Lot Size	0.409 acres (17,825 sqft)
Owner	2 Individual Names on File
Last Sale	$1,795,000 (Oct 2022)
Tax Bill	$21,396 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`171-220-070-6`

Property Details

APN / Parcel Number

Primary APN	`171-220-070-6`
Alternative APN	`171-220-070`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,601 sqft Living Area
1st Floor Area	1,666 sqft
2nd Floor Area	1,935 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Lot Area	17,825 sqft (0.409 acres)
Garage Type	Attached
Garage Area	824 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	645 ENCINAL CT
City	WALNUT CREEK
State	CA
Zip	94597-3166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T7542 L5
Legal Subdivision	SUBDIVISION 7542
Legal Tract	7542
Legal Lot Number	5
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4003
Census Tract	340001

Owner

645 Encinal Ct is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Oct 20, 2022	Grant Deed, Transfer · Conventional Mortgage BETHPAGE FCU
Feb 8, 2017	Loan Modification, Mortgage BCAT 2016-18TT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2022 · Amount on File
Deed Sale	Oct 20, 2022 · Amount on File
Prior Sale	Jan 20, 2006 · Amount on File
Deed Document Number	2022164582
Prior Transfer Date	May 15, 2013
Prior Transfer Doc	0000125569
Record Updated	Oct 29, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 20, 2022
Property Address	645 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000164582
Map Reference	MB 362 PG 47-49
Instrument Date	Oct 19, 2022
Instrument	2022-164582
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	Notice of Default 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	645 ENCINAL CT, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000164583
Date	Oct 20, 2022
Instrument	2022-164583

Lender

Name	BETHPAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CONTRA COSTA CA
Property Address	645 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000073404
Instrument Date	Feb 8, 2017
Transaction Type	Mortgage
Record Updated	May 5, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 ENCINAL CT WALNUT CREEK CA 945973166, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000073404
Date	Apr 27, 2017
Instrument	73404

Lender

Name	BCAT 2016-18TT

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 645 Encinal Ct was $21,396 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	Walnut Creek City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,904,867 (+2%) Land $1,002,841 Building $902,026
2025	$21,396.00 Homeowner's exemption	$1,867,518 Land $983,178 Building $884,340
2023	$20,583.00 (+6.21%) Homeowner's exemption	$1,795,000 Land $945,000 Building $850,000
2022	$19,379.00

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

Flood

FEMA maps place 645 Encinal Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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

The area around 645 Encinal Ct 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 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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