655 31st St, Richmond, CA 94804 Property Records

Contra Costa County property record for 655 31st St, Richmond, CA 94804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1942
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Jan 2003)
Tax Bill	$7,815 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`518-210-012-2`

Property Details

APN / Parcel Number

Primary APN	`518-210-012-2`
Alternative APN	`518-210-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1955
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	253 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	655 31ST ST
City	RICHMOND
State	CA
Zip	94804-1567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR3
Legal Description	GRAND VIEW TERRACE LOTS 23 & 24 BLK 1
Legal Subdivision	GRAND VIEW TERRACE
Legal Block	1
Legal Lot Number	23,24
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1012
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	Individual Name on Record
Mailing Address	655 31ST ST, RICHMOND, CA 94804-1567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 13, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Mar 21, 2022	Deed of Trust, Mortgage · FHA Mortgage MISSION LOANS LLC
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2003 · Amount on Record
Deed Sale	Jan 13, 2003 · Amount on Record
Deed Document Number	200315763
Last Transfer Date	Jan 15, 2003
Transfer Doc	0000026120
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	655 31ST ST, RICHMOND, CA 94804-1567
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 31ST ST, RICHMOND, CA 94804-1567

Mortgage

Document Number	0000101158
Date	Oct 13, 2023
Instrument	2023-101158

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Apr 1, 2052

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	655 31ST ST, RICHMOND, CA 94804-1567
Transaction Type	Mortgage
Record Updated	Feb 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 31ST ST, RICHMOND, CA 94804-1567

Mortgage

Document Number	0000012347
Date	Feb 13, 2023
Instrument	2023-012347

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Apr 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	655 31ST ST, RICHMOND, CA 94804-1567
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000197689
Date	Nov 6, 2019
Instrument	2019-197689

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2059

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	7.37%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	12.3%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	655 31ST ST, RICHMOND, CA 94804-1567
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TTL CO OAKLAND

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 31ST ST, RICHMOND, CA 94804-1567

Mortgage

Document Number	0000049411
Date	Mar 21, 2022
Instrument	2022-049411

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	DIAMOND BAR, CA 91765

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	655 31ST ST, RICHMOND, CA 94804-1567
Document Number	0000162329
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 31ST ST RICHMOND CA 948041567, RICHMOND, CA 94804-1567

Mortgage

Document Number	0000162329
Date	Aug 5, 2020
Instrument	162329

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2050

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		$450,552 (+2%) Land $324,996 Building $125,556
2025	$7,815.00 (+3.47%)	$441,719 (+4.04%) Land $318,624 Building $123,095
2023	$7,553.00 (+3.28%)	$424,568 Land $306,252 Building $118,316
2022	$7,313.00

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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