654 Montezuma Ct, Walnut Creek, CA 94598 Property Records

Contra Costa County property record for 654 Montezuma Ct, Walnut Creek, CA 94598

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,840 sqft · built 1980
Lot Size	0.126 acres (5,500 sqft)
Owner	Company Name on Record
Tax Bill	$9,501 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`140-401-023-1`

Property Details

APN / Parcel Number

Primary APN	`140-401-023-1`
Alternative APN	`140-401-023`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1981
Architectural Style	Cluster
Lot Area	5,500 sqft (0.126 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	654 MONTEZUMA CT
City	WALNUT CREEK
State	CA
Zip	94598-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	T05211 L0023 B
Legal Subdivision	SUBDIVISION 5211
Legal Tract	05211
Legal Lot Number	23
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2002
Census Tract	343002

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	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 29, 2019	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Oct 29, 2019	Intrafamily Transfer, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE
Dec 19, 2017	Intrafamily Transfer, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE
Dec 19, 2017	Quit Claim Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2019
Deed Sale	Oct 29, 2019
Prior Sale	Dec 19, 2017
Deed Document Number	2019191183
Prior Transfer Date	Oct 24, 2019
Prior Transfer Doc	0000191183
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946

Mortgage

Document Number	0000138835
Date	May 10, 2021
Instrument	2021-138835

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 29, 2019
Property Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946
Document Number	0000191185
Instrument Date	Oct 24, 2019
Instrument	191185
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	654 MONTEZUMA CT WALNUT CREEK CA 945982946, WALNUT CREEK, CA 94598-2946

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 29, 2019
Property Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946
Document Number	0000191183
Map Reference	MB 212 PG 23
Instrument Date	Oct 24, 2019
Instrument	2019-191183
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	NORTH AMERICAN TITLE CO INC

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	Community Property with Right of Survivorship
Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946

Mortgage

Document Number	0000191184
Date	Oct 29, 2019
Instrument	2019-191184

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 19, 2017
Property Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946
Document Number	0000238412
Map Reference	MB212 PG23
Instrument Date	Dec 13, 2017
Instrument	2017-238412
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	LAWYERS TITLE COMPANY

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	Community Property with Right of Survivorship
Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946

Mortgage

Document Number	0000238413
Date	Dec 19, 2017
Instrument	2017-238413

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 19, 2017
Property Address	654 MONTEZUMA CT, WALNUT CREEK, CA 94598-2946
Document Number	0000238414
Instrument Date	Dec 13, 2017
Instrument	238414
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	654 MONTEZUMA CT WALNUT CREEK CA 945982946, WALNUT CREEK, CA 94598-2946

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		$820,109 (+3.9%) Land $487,500 Building $332,609
2025	$9,501.00 (+4.13%) Homeowner's exemption	$789,324 (+4.04%) Land $477,942 Building $311,382
2023	$9,124.00 (+0.9%) Homeowner's exemption	$758,676 Land $459,384 Building $299,292
2022	$9,043.00

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	3 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2004 · tidal / storm surge

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	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 246 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Etheric Networks, Sonic Telecom.

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