654 Kern St, Richmond, CA 94805 Property Records

Contra Costa County property record for 654 Kern St, Richmond, CA 94805

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 968 sqft · built 1947
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$10,000 (Feb 2004)
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`519-080-021-8`

Property Details

APN / Parcel Number

Primary APN	`519-080-021-8`
Alternative APN	`519-080-021`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	968 sqft Living Area
Gross Area	1,211 sqft
1st Floor Area	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	243 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	654 KERN ST
City	RICHMOND
State	CA
Zip	94805-1917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	EAST RICH BLVD 6 61
Legal Subdivision	EAST RICHMOND BOULEV
Legal Block	61
Legal Lot Number	6
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	2
Census Block	2002
Census Tract	370000

Owner

654 Kern St is owned and occupied by an individual who bought it in February 2004.

Source: Contra Costa County records, as of July 14, 2026

Owner of Record	Individual Name on File
Mailing Address	654 KERN ST, RICHMOND, CA 94805-1917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
Jun 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage TRAVIS CU
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2004 · Amount on File
Deed Sale	Feb 11, 2004 · Amount on File
Deed Document Number	200444805
Prior Transfer Date	Feb 2, 2004
Prior Transfer Doc	0000044805
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	654 KERN ST, RICHMOND, CA 94805-1917
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FIDELITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118134
Date	Jun 30, 2017
Instrument	2017-118134

Lender

Name	TRAVIS CU
Type	Credit Union
Address	VACAVILLE, CA 95687

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	654 KERN ST, RICHMOND, CA 94805-1917
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 KERN ST, RICHMOND, CA 94805-1917

Mortgage

Document Number	0000292202
Date	Dec 1, 2020
Instrument	2020-292202

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	654 KERN ST, RICHMOND, CA 94805-1917
Document Number	0000074228
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 KERN ST RICHMOND CA 948051917, RICHMOND, CA 94805-1917

Mortgage

Document Number	0000074228
Date	Apr 20, 2020
Instrument	74228

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	654 KERN ST, RICHMOND, CA 94805-1917
Document Number	0000133663
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 KERN ST RICHMOND CA 948051917, RICHMOND, CA 94805-1917

Mortgage

Document Number	0000133663
Date	Aug 21, 2019
Instrument	133663

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	654 KERN ST, RICHMOND, CA 94805-1917
Document Number	0000086153
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 8, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 KERN ST RICHMOND CA 948051917, RICHMOND, CA 94805-1917

Mortgage

Document Number	0000086153
Date	May 31, 2018
Instrument	86153

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 30, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 654 Kern St was $3,997 with a homeowner's exemption.

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		$187,040 (+2%) Land $102,741 Building $84,299
2025	$3,997.00 Homeowner's exemption	$183,374 Land $100,727 Building $82,647
2023	$3,888.00 (+2.67%) Homeowner's exemption	$176,255 Land $96,816 Building $79,439
2022	$3,787.00

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

Flood

FEMA maps place 654 Kern St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 654 Kern St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 927 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	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks.

Nearby Properties on Kern St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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