650 Encinal Ct, Walnut Creek, CA 94597 Property Records

Contra Costa County property record for 650 Encinal Ct, Walnut Creek, CA 94597

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,302 sqft · built 1994
Lot Size	0.273 acres (11,900 sqft)
Owner	Company Name on Record
Last Sale	$445,000 (Oct 1995)
Tax Bill	$9,036 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2020 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`171-220-069-8`

Property Details

APN / Parcel Number

Primary APN	`171-220-069-8`
Alternative APN	`171-220-069`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,302 sqft Living Area
1st Floor Area	1,893 sqft
2nd Floor Area	1,409 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2002
Lot Area	11,900 sqft (0.273 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	650 ENCINAL CT
City	WALNUT CREEK
State	CA
Zip	94597-3166
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T7542 L4
Legal Subdivision	SUBDIVISION 7542
Legal Tract	7542
Legal Lot Number	4
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4003
Census Tract	340001

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	Company Name on Record
Mailing Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 20, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN MONKEY INC
Dec 29, 2021	Intrafamily Transfer, Transfer
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 1995 · Amount on Record
Deed Sale	Oct 6, 1995 · Amount on Record
Deed Document Number	1995169849
Last Transfer Date	Dec 13, 2021
Transfer Doc	0000348704
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000097715
Date	Oct 5, 2023
Instrument	2023-097715

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031676
Date	Feb 20, 2020
Instrument	2020-031676

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 10, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000028285
Date	Jan 29, 2021
Instrument	2021-028285

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000322403
Date	Nov 23, 2021
Instrument	2021-322403

Lender

Name	LOAN MONKEY INC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

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

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 29, 2021
Property Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000348704
Map Reference	MB 362 PG 47-49
Instrument Date	Dec 13, 2021
Instrument	2021-348704
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	650 ENCINAL CT, WALNUT CREEK, CA 94597-3166
Document Number	0000219877
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 ENCINAL CT WALNUT CREEK CA 945973166, WALNUT CREEK, CA 94597-3166

Mortgage

Document Number	0000219877
Date	Dec 9, 2019
Instrument	219877

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2034

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	Walnut Creek City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$754,022 (+2%) Land $249,495 Building $504,527
2025	$9,036.00 (+4.1%)	$739,238 (+4.04%) Land $244,603 Building $494,635
2023	$8,680.00 (+0.87%)	$710,534 Land $235,105 Building $475,429
2022	$8,605.00

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 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

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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