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656 31st St, Richmond, CA 94804 Property Records

Contra Costa County property record for 656 31st St, Richmond, CA 94804

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 908 sqft · built 1941
Lot Size0.115 acres (5,000 sqft)
OwnerIndividual Name on Record
Last Sale$846,363 (Aug 1995)
Tax Bill$4,527 (2025)
Deeds & MortgagesAug 2018 Mortgage
Dec 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN518-200-015-7

Property Details

APN / Parcel Number

Primary APN518-200-015-7
Alternative APN
  • 518-200-015

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area908 sqft Living Area
1st Floor Area908 sqft

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 1941
Lot Area5,000 sqft (0.115 acres)
Garage TypeAttached
Garage Area200 sqft
Parking Spaces1 Parking Space

Location & Zoning

Street Address656 31ST ST
CityRICHMOND
StateCA
Zip94804-1568
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionGRAND VIEW TERRACE LOTS 25 & 26 BLK 2
Legal SubdivisionGRAND VIEW TERRACE
Legal Block2
Legal Lot Number25,26
JurisdictionCONTRA COSTA CA
Township / Civil DivisionWEST CONTRA COSTA
Census Block Group1
Census Block1011
Census Tract374000

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 RecordIndividual Name on Record
Mailing Address656 31ST ST, RICHMOND, CA 94804-1568
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Person

Deeds, Mortgages & Sale History

DateDocument
Aug 6, 2018Deed of Trust, Mortgage · Conventional Mortgage
USE CREDIT UNION
Dec 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
USE CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 31, 1995 · Amount on Record
Deed SaleAug 31, 1995 · Amount on Record
Deed Document Number1995146380
Last Transfer DateAug 7, 2003
Transfer Doc0000412574
Record UpdatedSep 20, 2026

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address656 31ST ST, RICHMOND, CA 94804-1568
Transaction TypeMortgage
Record UpdatedNov 3, 2022
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000125142
DateAug 6, 2018
Instrument2018-125142
Lender
NameUSE CREDIT UNION
TypeCredit Union
AddressSAN DIEGO, CA 92121
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueSep 1, 2038

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCONTRA COSTA CA
Property Address656 31ST ST, RICHMOND, CA 94804-1568
Transaction TypeMortgage
Record UpdatedNov 3, 2022
Title CompanyCHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

NameVerified Name
Address656 31ST ST, RICHMOND, CA 94804-1568

Mortgage

Document Number0000344279
DateDec 22, 2021
Instrument2021-344279
Lender
NameUSE CU
TypeCredit Union
AddressSAN DIEGO, CA 92121
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 1, 2037

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountyContra Costa County
MunicipalityRichmond City
Unified School DistrictWest Contra Costa Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$225,335 (+2%) Land $123,683 Building $101,652
2025$4,527.00 (+2.98%) Homeowner's exemption$220,917 (+4.04%) Land $121,258 Building $99,659
2023$4,396.00 (+2.49%) Homeowner's exemption$212,340 Land $116,550 Building $95,790
2022$4,289.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies1 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 RiskNot 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 SystemEAST BAY MUD
serves 1,468,000 people · EPA ID CA0110005
Water SourceSurface water
Last State InspectionDec 2021
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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