646 12th St, Richmond, CA 94801 Property Records

Contra Costa County property record for 646 12th St, Richmond, CA 94801

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,748 sqft · built 1992
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jul 2009)
Tax Bill	$4,758 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`534-152-006-1`

Property Details

APN / Parcel Number

Primary APN	`534-152-006-1`
Alternative APN	`534-152-006`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,748 sqft Living Area
1st Floor Area	932 sqft
2nd Floor Area	816 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1995
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	646 12TH ST
City	RICHMOND
State	CA
Zip	94801-2726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RICD
Legal Description	T6193 L4
Legal Subdivision	SUBDIVISION 6193
Legal Tract	6193
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	3
Census Block	3000
Census Tract	376000

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	646 12TH ST, RICHMOND, CA 94801-2726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2009 · Amount on Record
Deed Sale	Jul 22, 2009 · Amount on Record
Prior Sale	Feb 27, 2009 · Amount on Record
Deed Document Number	2009173745
Last Transfer Date	Aug 17, 2018
Transfer Doc	0000137064
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	646 12TH ST, RICHMOND, CA 94801-2726
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 12TH ST, NORTH RICHMOND, CA 94801-2726

Mortgage

Document Number	0000126216
Date	Aug 15, 2022
Instrument	2022-126216

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	646 12TH ST, RICHMOND, CA 94801-2726
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 12TH ST, RICHMOND, CA 94801-2726

Mortgage

Document Number	0000223780
Date	Aug 11, 2021
Instrument	2021-223780

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Aug 27, 2018
Property Address	646 12TH ST, RICHMOND, CA 94801-2726
Document Number	0000137064
Instrument Date	Aug 17, 2018
Instrument	137064
Transaction Type	Transfer
Record Updated	Sep 6, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	646 12TH ST RICHMOND CA 948012726, RICHMOND, CA 94801-2726

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	Richmond City
Unified School District	West Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$230,391 (+2%) Land $11,313 Building $219,078
2025	$4,758.00 (+2.9%)	$225,875 (+4.04%) Land $11,092 Building $214,783
2023	$4,624.00 (+2.37%)	$217,106 Land $10,662 Building $206,444
2022	$4,517.00

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

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

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 715 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, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: Etheric Networks, GeoLinks, T-Mobile.

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