Contra Costa County property record for 86 Water St, Bay Point, CA 94565
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,042 sqft · built 1950 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Dec 2001) |
| Tax Bill | $4,480 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 093-021-035-6 |
| Primary APN | 093-021-035-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,042 sqft Living Area |
| 1st Floor Area | 1,042 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Roof Material | Tar & Gravel |
| Lot Area | 6,000 sqft (0.138 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 86 WATER ST |
|---|---|
| City | BAY POINT |
| State | CA |
| Zip | 94565-3137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P1 |
| Legal Description | ENESTA TERRACE #2 LOT 21 |
| Legal Subdivision | ENESTA TERRACE #2 |
| Legal Lot Number | 21 |
| Jurisdiction | CONTRA COSTA CA |
| Township / Civil Division | ANTIOCH-PITTSBURG |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 314105 |
86 Water St is owned and occupied by two individuals who bought it in December 2001.
Source: Contra Costa County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 86 WATER ST, BAY POINT, CA 94565-3137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 24, 2001 · Amount on File |
| Deed Sale | Dec 24, 2001 · Amount on File |
| Prior Sale | Dec 24, 2001 · Amount on File |
| Deed Document Number | 2001397953 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONTRA COSTA CA |
| Property Address | 86 WATER ST, BAY POINT, CA 94565-3137 |
| Document Number | 0000092129 |
| Instrument Date | May 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2020 |
| Title Company | AMROCK TITLE CA INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 WATER ST BAY POINT CA 945653137, BAY POINT, CA 94565-3137 |
| Document Number | 0000092129 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 92129 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 13, 2035 |
The 2025 property tax bill for 86 Water St was $4,480 with a homeowner's exemption.
Source: Contra Costa County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | California |
| County | Contra Costa County |
| Unified School District | Mount Diablo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $339,013 (+2%) Land $120,535 Building $218,478 | |
| 2025 | $4,480.00 Homeowner's exemption | $332,367 Land $118,172 Building $214,195 |
| 2023 | $4,255.00 (+0.73%) Homeowner's exemption | $319,463 Land $113,584 Building $205,879 |
| 2022 | $4,224.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 86 Water St in Zone X, an area of minimal flood risk.
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 risk around 86 Water St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GOLDEN STATE WATER COMPANY - BAY POINT private · serves 23,765 people · EPA ID CA0710002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 610 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: AT&T, Unwired, Verizon.
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