646 28th St, Richmond, CA 94804 Property Records

Contra Costa County property record for 646 28th St, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 1947
Lot Size	0.129 acres (5,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,500 (May 2015)
Tax Bill	$8,707 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`515-090-005-7`

Property Details

APN / Parcel Number

Primary APN	`515-090-005-7`
Alternative APN	`515-090-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,522 sqft Living Area
1st Floor Area	1,391 sqft
Basement Area	131 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	5,600 sqft (0.129 acres)
Garage Type	Attached
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	646 28TH ST
City	RICHMOND
State	CA
Zip	94804-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	NICH MAC AVE CIV CEN LT 13 POR 12&14 BLK 28
Legal Subdivision	NICHOLL MACDONALD A
Legal Block	28
Legal Lot Number	13
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1014
Census Tract	374000

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 28TH ST, RICHMOND, CA 94804-1518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 15, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2015 · Amount on Record
Deed Sale	May 21, 2015 · Amount on Record
Deed Document Number	2015102607
Last Transfer Date	Sep 20, 2016
Transfer Doc	0000198198
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	646 28TH ST, RICHMOND, CA 94804-1518
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE IRVINE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 28TH ST, RICHMOND, CA 94804-1518

Mortgage

Document Number	0000204469
Date	Sep 15, 2020
Instrument	2020-204469

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	646 28TH ST, RICHMOND, CA 94804-1518
Document Number	0000140013
Instrument Date	Jul 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 28TH ST RICHMOND CA 948041518, RICHMOND, CA 94804-1518

Mortgage

Document Number	0000140013
Date	Aug 4, 2017
Instrument	140013

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$521,481 (+2%) Land $358,444 Building $163,037
2025	$8,707.00 (+3.61%) Homeowner's exemption	$511,257 (+4.04%) Land $351,416 Building $159,841
2023	$8,404.00 (+1.84%) Homeowner's exemption	$491,406 Land $337,771 Building $153,635
2022	$8,252.00

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 · 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 10 (0% premium discount)
Nearby Flood Policies	1 in force

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	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 1,276 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks.

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