94 Water St, Bay Point (Pittsburg), CA 94565 Property Records

Contra Costa County property record for 94 Water St, Bay Point, CA 94565

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,042 sqft · built 1950
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (May 2016)
Tax Bill	$4,472 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093-021-038`

Property Details

APN / Parcel Number

Primary APN	`093-021-038`
Alternative APNs	`093-021-038-0` `0970210381`

Interior

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

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	7,500 sqft (0.172 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	94 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 18
Legal Subdivision	ERNESTA TERRACE 02
Legal Lot Number	18
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	ANTIOCH-PITTSBURG
Census Block Group	1
Census Block	1005
Census Tract	314105

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	Individual Name on Record
Mailing Address	94 WATER ST, BAY POINT, CA 94565-3137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 7, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Apr 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGEFIRST LNDG INC
May 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2016 · Amount on Record
Deed Sale	May 20, 2016 · Amount on Record
Prior Sale	Jun 14, 2001 · Amount on Record
Deed Document Number	201695964
Prior Transfer Date	Dec 5, 2014
Prior Transfer Doc	0000005073
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	94 WATER ST, BAY POINT, CA 94565-3137
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 WATER ST, BAY POINT, CA 94565-3137

Mortgage

Document Number	0000126738
Date	Apr 27, 2021
Instrument	2021-126738

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	94 WATER ST, BAY POINT, CA 94565-3137
Document Number	0000093287
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 WATER ST BAY POINT CA 945653137, BAY POINT, CA 94565-3137

Mortgage

Document Number	0000093287
Date	May 18, 2020
Instrument	93287

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	94 WATER ST, BAY POINT, CA 94565-3137
Document Number	0000058474
Instrument Date	Apr 20, 2019
Transaction Type	Mortgage
Record Updated	May 16, 2019
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMERICAN TITLE CO RESID'

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 WATER ST BAY POINT CA 945653137, BAY POINT, CA 94565-3137

Mortgage

Document Number	0000058474
Date	Apr 26, 2019
Instrument	58474

Lender

Name	ADVANTAGEFIRST LNDG INC
Address	MISSION VIEJO, CA 92691

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	94 WATER ST, BAY POINT, CA 94565-3137
Document Number	0000087600
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 7, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 WATER ST BAY POINT CA 945653137, BAY POINT, CA 94565-3137

Mortgage

Document Number	0000087600
Date	Jun 4, 2018
Instrument	87600

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Unified School District	Mount Diablo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$338,086 (+2%) Land $217,342 Building $120,744
2025	$4,472.00 (+5.3%) Homeowner's exemption	$331,458 (+4.04%) Land $213,081 Building $118,377
2023	$4,247.00 (+0.74%) Homeowner's exemption	$318,588 Land $204,807 Building $113,781
2022	$4,216.00

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 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.

Drinking Water

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

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 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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