809 Payne Dr, Richmond (San Pablo), CA 94806 Property Records

Contra Costa County property record for 809 Payne Dr, Richmond, CA 94806

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,051 sqft · built 1950
Lot Size	0.131 acres (5,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (May 2020)
Tax Bill	$8,038 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`408-023-007-3`

Property Details

APN / Parcel Number

Primary APN	`408-023-007-3`
Alternative APN	`408-023-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,051 sqft Living Area
1st Floor Area	1,051 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1965
Lot Area	5,720 sqft (0.131 acres)
Garage Type	Attached
Garage Area	258 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	809 PAYNE DR
City	SAN PABLO
State	CA
Zip	94806-1755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PARCHESTER VILLAGE #1 LOT 235
Legal Subdivision	PACHESTER VILLAGE 01
Legal Lot Number	235
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	WEST CONTRA COSTA
Census Block Group	1
Census Block	1026
Census Tract	392201

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	2 Individual Names on Record
Mailing Address	809 PAYNE DR, SAN PABLO, CA 94806-1755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
May 13, 2020	Grant Deed, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Oct 17, 2019	Grant Deed, Transfer JDW ENTS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2020 · Amount on Record
Deed Sale	May 13, 2020 · Amount on Record
Prior Sale	Oct 17, 2019 · Amount on Record
Deed Document Number	202091033
Prior Transfer Date	Sep 16, 2002
Prior Transfer Doc	0000347955
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	809 PAYNE DR, RICHMOND, CA 94806-1755
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 PAYNE DR, RICHMOND, CA 94806-1755

Mortgage

Document Number	0000227483
Date	Aug 16, 2021
Instrument	2021-227483

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 13, 2020
Property Address	809 PAYNE DR, RICHMOND, CA 94806-1755
Document Number	0000091033
Map Reference	MB 38 PG 48
Instrument Date	Apr 8, 2020
Instrument	2020-091033
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1322 MONTE DIABLO AVE, SAN MATEO, CA 94401-1366

Mortgage

Document Number	0000091034
Date	May 13, 2020
Instrument	2020-091034

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 15, 2050

Mortgage

Document Number	0000091035
Date	May 13, 2020
Instrument	2020-091035

Lender

Name	GOLDEN STATE FINANCE AUTHORITY
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 17, 2019
Property Address	809 PAYNE DR, RICHMOND, CA 94806-1755
Document Number	0000177385
Instrument Date	Oct 9, 2019
Instrument	177385
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$337.70
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	809 PAYNE DR RICHMOND CA 948061755, RICHMOND, CA 94806-1755

Mortgage

Document Number	177386
Date	Oct 17, 2019
Instrument	177386

Lender

Name	JDW ENTS INC
Address	3871 PIEDMONT AVE # 311, OAKLAND, CA 94611-5378

Agreement

Amount	Amount Recorded

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		$490,825 (+2%) Land $334,654 Building $156,171
2025	$8,038.00 (+4.55%)	$481,202 (+4.04%) Land $328,093 Building $153,109
2023	$7,688.00 (+1.48%)	$462,517 Land $315,353 Building $147,164
2022	$7,576.00

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

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	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: Sonic Telecom.

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