870 Ridge Dr, Concord, CA 94518 Property Records

Contra Costa County property record for 870 Ridge Dr, Concord, CA 94518

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,039 sqft · built 1980
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,725,000 (Oct 2023)
Tax Bill	$20,443 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`130-450-007-5`

Property Details

APN / Parcel Number

Primary APN	`130-450-007-5`
Alternative APN	`130-450-007`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,039 sqft Living Area
Gross Area	3,759 sqft
1st Floor Area	3,039 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	40,000 sqft (0.918 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	870 RIDGE DR
City	CONCORD
State	CA
Zip	94518-1447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	T05051 L0007 B
Legal Subdivision	SUBDIVISION 5051
Legal Tract	05051
Legal Lot Number	7
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2003
Census Tract	337100

Owner

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	870 RIDGE DR, CONCORD, CA 94518-1447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Grant Deed, Transfer · Conventional Mortgage PROVIDENT SAVINGS BANK FSB
May 11, 2020	Deed of Trust, Mortgage · Line of Credit MORGAN STANLEY PRIVATE BANK NA
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Sep 15, 2006 · Amount on Record
Deed Document Number	2023117048
Prior Transfer Date	Sep 19, 2006
Prior Transfer Doc	0000302989
Record Updated	Oct 29, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 31, 2023
Property Address	870 RIDGE DR, CONCORD, CA 94518-1447
Document Number	0000117048
Map Reference	MB 229 PG 28
Instrument Date	Oct 24, 2023
Instrument	2023-117048
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Community Property with Right of Survivorship
Address	870 RIDGE DR, CONCORD, CA 94518-1447

Mortgage

Document Number	0000117049
Date	Oct 31, 2023
Instrument	2023-117049

Lender

Name	PROVIDENT SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.1%
Max Rate	12.1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	870 RIDGE DR, CONCORD, CA 94518-1447
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	BOSTON NATIONAL TITLE LLC NC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000088459
Date	May 11, 2020
Instrument	2020-088459

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Mar 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	870 RIDGE DR, CONCORD, CA 94518-1447
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	NATIONS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 RIDGE DR, CONCORD, CA 94518-1447

Mortgage

Document Number	0000177234
Date	Jun 18, 2021
Instrument	2021-177234

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

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		$1,794,690 (+2%) Land $977,976 Building $816,714
2025	$20,443.00 (+34.11%)	$1,759,500 (+35.24%) Land $958,800 Building $800,700
2023	$15,243.00 (-0.76%) Homeowner's exemption	$1,301,000 Land $571,468 Building $729,532
2022	$15,360.00

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
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 94% of the US · lower than 96% 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.

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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