653 32nd St, Richmond, CA 94804 Property Records

Contra Costa County property record for 653 32nd St, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,305 sqft · built 1930
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jun 2009)
Tax Bill	$7,103 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`518-250-031-3`

Property Details

APN / Parcel Number

Primary APN	`518-250-031-3`
Alternative APN	`518-250-031`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
1st Floor Area	1,305 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1940
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	653 32ND ST
City	RICHMOND
State	CA
Zip	94804-1566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	RICHMOND CENTER LOT 31 & POR 30 & TR ADJ
Legal Subdivision	RICHMOND CENTER
Legal Lot Number	31
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1011
Census Tract	374000

Owner

653 32nd St is owned and occupied by two individuals who bought it in June 2009.

Source: Contra Costa County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	653 32ND ST, RICHMOND, CA 94804-1566
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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Mar 19, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2009 · Amount on File
Deed Sale	Jun 2, 2009 · Amount on File
Prior Sale	Dec 4, 2008 · Amount on File
Deed Document Number	2009126508
Prior Transfer Date	Jul 24, 2006
Prior Transfer Doc	0000236070
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 28, 2026
Property Address	653 32ND ST, RICHMOND, CA 94804-1566
Document Number	0000101324
Instrument Date	Sep 12, 2026
Instrument	2026101324
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 32ND ST, RICHMOND, CA 94804-1566
Investor	Possibly a Property Investor

Mortgage

Document Number	0000101324,
Date	Sep 28, 2026
Instrument	2026101324

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	653 32ND ST, RICHMOND, CA 94804-1566
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 32ND ST, RICHMOND, CA 94804-1566

Mortgage

Document Number	0000026821
Date	Mar 19, 2026
Instrument	2026- 026821

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 18, 2041

Interest

Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	653 32ND ST, RICHMOND, CA 94804-1566
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 32ND ST, RICHMOND, CA 94804-1566

Mortgage

Document Number	0000151151
Date	May 21, 2021
Instrument	2021-151151

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	653 32ND ST, RICHMOND, CA 94804-1566
Document Number	0000087114
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 20, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	653 32ND ST RICHMOND CA 948041566, RICHMOND, CA 94804-1566

Mortgage

Document Number	0000087114
Date	Jun 11, 2019
Instrument	87114

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 10, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 653 32nd St was $7,103.

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		$400,604 (+2%) Land $262,693 Building $137,911
2025	$7,103.00	$392,750 Land $257,543 Building $135,207
2023	$6,870.00 (+1.97%)	$377,501 Land $247,544 Building $129,957
2022	$6,737.00

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

Flood

FEMA maps place 653 32nd St in Zone X, an area of minimal flood risk.

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

The area around 653 32nd St 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 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.

Nearby Properties on 32nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures