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

Contra Costa County property record for 97 Water St, Bay Point, CA 94565

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,122 sqft · built 1950
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$107,500 (Jul 2012)
Tax Bill	$2,347 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093-022-002-5`

Property Details

APN / Parcel Number

Primary APN	`093-022-002-5`
Alternative APNs	`093-022-002` `0970220026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	97 WATER ST
City	BAY POINT
State	CA
Zip	94565-3155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P1
Legal Description	ENESTA TERRACE #2 LOT 49
Legal Subdivision	ENESTA TERRACE 02
Legal Lot Number	49
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	ANTIOCH-PITTSBURG
Census Block Group	1
Census Block	1006
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	Company Name on Record
Mailing Address	980 RIDGE DR, CONCORD, CA 94518-1452
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 20, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2012 · Amount on Record
Deed Sale	Jul 17, 2012 · Amount on Record
Prior Sale	Jun 27, 2012 · Amount on Record
Deed Document Number	2012168643
Transfer Doc	0000134254
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	97 WATER ST, BAY POINT, CA 94565-3155
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000119158
Date	Jul 31, 2019
Instrument	2019-119158

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	97 WATER ST, BAY POINT, CA 94565-3155
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 RIDGE DR, CONCORD, CA 94518-1452

Mortgage

Document Number	0000071667
Date	Apr 26, 2022
Instrument	2022-071667

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Apr 20, 2022
Property Address	97 WATER ST, BAY POINT, CA 94565-3155
Document Number	0000068701
Map Reference	VOL 38 PG 46
Instrument Date	Aug 11, 2021
Instrument	2022-068701
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	980 RIDGE DR, CONCORD, CA 94518-1452

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		$134,513 (+2%) Land $62,798 Building $71,715
2025	$2,347.00 (+6.54%)	$131,876 (+4.04%) Land $61,567 Building $70,309
2023	$2,203.00 (+0.55%)	$126,757 Land $59,177 Building $67,580
2022	$2,191.00

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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