821 Ridge Dr, Concord, CA 94518 Property Records

Contra Costa County property record for 821 Ridge Dr, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,315 sqft · built 1975
Lot Size	0.78 acres (33,976 sqft)
Owner	2 Company Names on Record
Last Sale	$1,620,000 (Sep 2024)
Tax Bill	$18,903 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`130-031-013-1`

Property Details

APN / Parcel Number

Primary APN	`130-031-013-1`
Alternative APN	`130-031-013`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,315 sqft Living Area
1st Floor Area	2,295 sqft
Basement Area	1,020 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1990
Lot Area	33,976 sqft (0.78 acres)
Garage Type	Attached
Garage Area	1,230 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	821 RIDGE DR
City	CONCORD
State	CA
Zip	94518-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	PARCEL MAP 35 PG 6 PCL B
Legal Tract	35PM6
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2007
Census Tract	337100

Owner

Source: Contra Costa County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	821 RIDGE DR, CONCORD, CA 94518-1446
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 4, 2020	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Aug 24, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2024 · Amount on Record
Deed Sale	Sep 30, 2024 · Amount on Record
Deed Document Number	202495845
Prior Transfer Date	Jul 7, 2011
Prior Transfer Doc	0000139593
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 22, 2026
Property Address	821 RIDGE DR, CONCORD, CA 94518-1446
Document Number	0000099507
Instrument Date	Aug 3, 2026
Instrument	202699507
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	821 RIDGE DR, CONCORD, CA 94518-1446

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	821 RIDGE DR, CONCORD, CA 94518-1446
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 RIDGE DR, CONCORD, CA 94518-1446

Mortgage

Document Number	0000193812
Date	Sep 4, 2020
Instrument	2020-193812

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	891 Months
Due	Dec 18, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.83%
Type Change Date	Sep 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	821 RIDGE DR, CONCORD, CA 94518-1446
Document Number	0000193813
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	821 RIDGE DR CONCORD CA 945181446, CONCORD, CA 94518-1446

Mortgage

Document Number	0000193813
Date	Sep 4, 2020
Instrument	193813

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Sep 3, 2094

Interest

Rate Type	Adjustable Rate
Rate	2%

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	Concord City
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,652,400 (+2%) Land $867,000 Building $785,400
2025	$18,903.00 (+388.2%)	$1,620,000 (+494.13%) Land $850,000 Building $770,000
2023	$3,872.00 (+1.84%) Homeowner's exemption	$272,668 Land $31,140 Building $241,528
2022	$3,802.00

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	3 (1983–2012)
Most Recent Claim	Dec 2012 · other causes

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	Low lower than 97% of the US · lower than 97.8% 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	CONTRA COSTA WATER DISTRICT serves 210,500 people · EPA ID CA0710003
Water Source	Surface water
Last State Inspection	Jan 2022
Lead	Under 1 ppb (2026–2028) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 615 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

May also be available: AT&T, Sonic Telecom, T-Mobile, Verizon.

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