646 20th St, Richmond, CA 94801 Property Records

Contra Costa County property record for 646 20th St, Richmond, CA 94801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 814 sqft · built 1920
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Apr 2021)
Tax Bill	$8,565 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`529-281-014-9`

Property Details

APN / Parcel Number

Primary APN	`529-281-014-9`
Alternative APN	`529-281-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	814 sqft Living Area
1st Floor Area	814 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1970
Lot Area	3,000 sqft (0.069 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	646 20TH ST
City	RICHMOND
State	CA
Zip	94801-2869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	NEW RICHMOND LOT 30 POR 32 BLK C
Legal Subdivision	NEW RICHMOND ADD
Legal Block	C
Legal Lot Number	30
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1009
Census Tract	375000

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	Individual Name on Record
Mailing Address	646 20TH ST, RICHMOND, CA 94801-2869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Commercial Mortgage MOUNTAIN WEST FINANCIAL INC
Apr 19, 2021	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Mar 31, 2015 · Amount on Record
Deed Document Number	2021116479
Prior Transfer Date	Jul 7, 1999
Prior Transfer Doc	0000180661
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	646 20TH ST, RICHMOND, CA 94801-2869
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 CAMELLIA CT 2301, 2301, HAYWARD, CA 94544-5555

Mortgage

Document Number	0000116482
Date	Apr 19, 2021
Instrument	2021-116482

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 19, 2021
Property Address	646 20TH ST, RICHMOND, CA 94801-2869
Document Number	0000116479
Map Reference	MB B PG 27
Instrument Date	Apr 14, 2021
Instrument	2021-116479
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO 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
Address	646 20TH ST, RICHMOND, CA 94801-2869

Mortgage

Document Number	0000116480
Date	Apr 19, 2021
Instrument	2021-116480

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

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

Mortgage

Document Number	0000116481
Date	Apr 19, 2021
Instrument	2021-116481

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Loan Assumption
Amount	Amount Recorded

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		$507,874 (+2%) Land $331,223 Building $176,651
2025	$8,565.00 (+3.57%)	$497,917 (+4.04%) Land $324,729 Building $173,188
2023	$8,270.00 (+1.83%)	$478,584 Land $312,120 Building $166,464
2022	$8,121.00

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 1,047 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 · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25

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

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