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5530 Merritt Dr, Concord, CA, 94521

4beds
3baths
3,714sqft
$1,299,000
$350price/sqft
$8,932/moest. monthly cost
$357,280/yrincome needed

About This Home

Tucked away on a quiet cul-de-sac, this move-in ready custom built home enjoys a truly peaceful setting at the edge of Lime Ridge Open Space. This executive residence offers a rare combination of privacy, space and elevated living. Expansive views are truly a highlight. Designed for both everyday comfort and effortless entertaining, the flexible floor plan features two en-suite bedrooms—ideal for guests or multi-generational living—including a spa-inspired primary bathroom & a recently remodeled bathroom in the Junior suite. The junior suite has its own private deck overlooking the property’s hillside, creating a peaceful retreat. Oversize secondary bedrooms provide generous space rarely found. The main living areas are anchored by elegant limestone flooring and custom lighting fixtures, creating a cohesive and sophisticated design throughout, while fresh interior paint enhances the home’s light-filled interiors. At the heart of the home, a well-appointed chef’s kitchen is equipped with dual ovens, a Jenn-Air 6-burner gas downdraft cooktop, a generous pantry, and expansive multi-zone counter space designed for both everyday use and effortless entertaining.Multiple living areas flow effortlessly from one to another and include a formal living room w/ gas fireplace, formal dining with built-ins, & spacious family room framed by expansive windows and patio door leading to the deck—highlighted by a linear gas fireplace, and an office nook. Ample space in the basement to add a bath connected to the large first-floor flex room (no steps to entry) offers potential for a lock-off studio suite w/ separate entry for guests, extended family or additional bedroom. A true highlight of the home is the nearly 1,300 sq. ft. two-tier deck, thoughtfully designed to take full advantage of the setting. Enjoy sweeping views of Concord, the Bay and Highway 4 corridor—an ideal backdrop for outdoor dining, entertaining, or unwinding at the end of the day. Exceptional storage is a standout feature, including a 645 sq. ft. 3 car garage with extensive built-in cabinetry and a 381 sq. ft. walk-in unfinished basement w/built-in shelving—ideal for a workshop,or additional storage. New redwood fencing & updated landscaping further enhance the property’s appeal. A rare opportunity to own a light-filled, view-oriented custom home offering space, privacy, & versatility in one of Concord’s premier neighborhoods. Northgate or Clayton Valley High School "choice"

Getting Around

7
WalkingCar-Dependent
21
TransitMinimal Transit
1
BikeSomewhat Bikeable

Schools

7/10
6/10
5/10
Concord High SchoolGrades 9-123.4 mi

Construction

Condition

  • Property condition: Existing
  • Year built: 1981

Materials

  • Roof: Tile
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Residential,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Double Oven,Gas Range,Microwave,Refrigerator,Dryer,Washer,Gas Water Heater
  • Laundry features: Laundry Room

Bathroom

  • Features: Solid Surface,Updated Baths,Dual Flush Toilet,Granite,Tub with Jets,Multiple Shower Heads,Window

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Formal Dining Room,Pantry
  • Window features: Double Pane Windows,Bay Window(s),Screens,Window Coverings
  • Flooring: Laminate,See Remarks
  • Number of fireplaces: 3
  • Fireplace features: Family Room,Gas,Living Room,Master Bedroom
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 3,714
  • Total interior livable area: 3,714 sqft

Kitchen

  • Features: Stone Counters,Dishwasher,Double Oven,Eat-in Kitchen,Disposal,Gas Range/Cooktop,Microwave,Pantry,Refrigerator

Property

Details

  • Parcel number: 1211900236
  • Special condition: Standard

Features

  • Levels: Three Or More
  • Stories: 3
  • Pool features: None
  • Patio & porch: Terrace
  • Exterior features: Balcony
  • Has spa: Yes
  • Spa features: Bath
  • Fencing: Fenced
  • Has view: Yes
  • View description: Hills,Panoramic

Lot

  • Lot size: 0.52 Acres
  • Features: Sloped Up,Landscaped

Parking

  • Total spaces: 3
  • Parking features: Attached,Direct Access,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Landslide
Wildfire

FEMA Declared Disasters in Contra Costa County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,568$78,816
Home Insurance *$264$3,168
Property Taxes $1,304$15,648
Electricity $796$9,557
Total$8,932$107,184
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$306,240/yr
40% on housing$267,960/yr
45% on housing$238,186/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.5%
7.5%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$350This listing

vs Other Active Listings

Avg $/sqft

ZIP 94521$345
Contra Costa County$420

vs Homes Sold Last Month

Median $/sqft

ZIP 94521$509
Contra Costa County$475

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-02Listed for sale$1,398,000
2014-04-16Sold$820,000
2014-04-08Listed for sale$850,000
2014-03-04Listing removed$850,000
2014-01-31Listed for sale$850,000
2012-11-06Listing removed$3,350
2012-09-25Price change$3,350
2012-08-29Price change$3,500
2012-08-17Listed for rent$3,700
2011-06-04Listing removed$3,500
2011-05-26Listed for rent$3,500
2010-10-02Listing removed$799,000
2010-06-25Price change$799,000
2010-05-26Price change$819,000
2010-04-21Listed for sale$849,500
2000-05-19Sold$470,000
1998-03-16Sold$380,000

For Sale by Agent

AgentMargaret McCarty
BrokerageKeller Williams Realty

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