Contra Costa Herald

News Of By and For The People of Contra Costa County, California

Real Estate Answers: Here’s what you need to know about the listing agreement

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By Patrick McCarran, Real Estate Broker

Each of the four types of standard agreements—Exclusive Right to Sell, Open Listing, and Exclusive Agency—is a legally binding contract that authorizes a broker and her sales associates to produce a buyer for a home, according to the conditions specified in the contract.

Depending on the type of listing agreement, you can expect to see most of these terms detailed in the document.

  • Terms of the Agreement

The length of time the contract will be in effect typically runs anywhere from 30 to 90 days, depending on the local market. Under Terms of the Agreement, you’ll also find the price of the home. You should arrive at the home’s market value after considering the Comparative Market Analysis and other market factors with your agent.

  • Commission

It may come as a surprise that commissions are not set by the industry and are negotiable. Real estate professionals expect to earn between 6% and 7% of the sale price, depending on the market and the services offered. The home is generally offer on the MLS and  the commission is split with the buyer’s agent.

  • Multiple Listing Service (MLS)

This section authorizes a real estate professional to list your home with the MLS. While you have the right to opt out of listing with the MLS I do not recommend it. The MLS can dramatically increase exposure and with it help maximize your home’s value The MLS is the main portal to the Internet and will increase the chances of selling your home.

  • Lockbox

Basically, a hollowed-out padlock or miniature safe holds a key to your home. The lockbox allows convenient access for Agents showing the home. Only an Agent with an electronic key can gain entry. The visit is recorded and accessible to find out who showed the home and when.

  • Description of the Property and Its Condition

Here you’ll find a description of the property and its general condition as well as the condition of its major systems—mechanical, plumbing and electrical. Along with the description should be a list of the items that will stay with the home, for instance, the washer and dryer, and those items you intend to remove such as a special light fixture.

  • Marketing Plan

While the marketing plan is not specifically in the agreement it can be added as an addendum. The marketing strategy should be discussed and structured to cast a wide net and might include advertising, open houses, the multiple listing service, signage, fact sheets, color flyers, and so on.

Your Realtor will complete the listing agreement based on your input, so you may want to take time before you meet to consider your response to each section of the contract. The more prepared you are, the less likely you’ll have a misunderstanding down the road.

Patrick McCarran is a local Realtor and Broker DRE# 01325072. He can be contacted by phone or text at (925) 899-5536, pmccarran@yahoo.com or www.CallPatrick.com.  An independently owned and operated office.  In association with Realty One Group Elite DRE# 0193160. Equal Housing Opportunity.

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DRE urges CA seniors to watch for targeted real estate and property scams

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Sacramento, Calif. – The California Department of Real Estate (DRE) encourages seniors to be aware of real estate and mortgage fraud targeting older adults. Scammers increasingly target seniors with real estate and mortgage-related deception, exploiting their trust and financial vulnerability.

The following tips aim to help Californians safeguard themselves before harm is done, as well as how to report this type of fraud.

Fraud Avoidance Tips

  1. Be vigilant, diligent, and suspicious, and proceed very cautiously, when contacted by strangers.
  1. Use only licensed professionals when engaging the services of people or companies offering rental, home loan, foreclosure rescue, or other real estate services on your behalf. Check licensing at dre.ca.gov and dfpi.ca.gov.
  1. Never pay in cash, or wire cash to anyone, in connection with real estate transactions; Also, be certain to protect your personal information, such as social security number, so scammers cannot steal your identity.
  1. Never pay anyone for home loans or foreclosure relief services in advance of successfully completing the work you wanted them to do for you.
  1. Never sign an agreement for a real estate transaction (including a Rental) or a home loan that you cannot afford.
  1. Never sign a real estate (including Rental) or home loan agreement that you do not understand or have not read, or which contains blank spaces.
  1. Anyone (including scammers without an appropriate or legitimate California license) can advertise on television or radio, in newspapers, magazines or on the Internet.
  1. Just because someone looks professional, sounds like an expert, and/or gives you confidence in their real estate knowledge, does not mean that you can or should trust them.
  1. Never transfer or sign your home over to any third party or anyone else who claims that such a transfer can or will help you repair your credit or keep you in your home. Also, never sign a “power of attorney” giving rights to your property or money to any individual – or any company – you do not personally know and trust.
  1. Monitor and periodically check the title to your real estate holdings, just like you check your credit reports; and act immediately if you detect fraud.
  1. If something sounds too good to be true, it probably is!

Current Types of Real Estate Fraud

Foreclosure Rescue Schemes 

Scammers promise to save a homeowner’s property from foreclosure in exchange for fees or title transfer. Victims often lose both their homes and money when no real help is provided.

Unlicensed Prepaid Rental Listing Services Fraud 

Scammers offer rental property lists for a fee without proper licensing. Victims often pay upfront but receive outdated or nonexistent listings, leaving them without a rental and no recourse.

Timeshare Resale and Rental Schemes 

Fraudsters promise to sell or rent timeshares for a fee but either fail to deliver, exaggerate property value, or sell nonexistent interests, exploiting owners’ desire to liquidate or monetize their timeshare.

Online Rental Fraud 

Scammers advertise fake rental properties online, often requesting deposits or personal information before disappearing, targeting people searching for homes or vacation rentals.

Unlicensed Property Managers 

Individuals manage rental properties without the necessary real estate license, potentially leading to mismanagement, legal issues, or financial loss for property owners and tenants.

Real Property Recordation Fraud 

Fraudsters forge or falsify deeds and record them against properties without the owner’s consent, potentially leading to disputes over property ownership.

Real Property Investment Schemes 

Scammers promote high-return real estate investments that are either nonexistent or misrepresented, leading to financial losses for investors.

Reverse Mortgage Scams 

Fraudulent schemes target seniors, offering reverse mortgages with misleading terms or fees, potentially leading to loss of home equity or foreclosure.

Vacant Land Scams

Scammers or bad actors posing as owners of vacant land and contact real estate agents for their assistance to sell a property they do not own.

How Consumers Can Report Suspected Fraud

If you believe you have been a victim of a mortgage crime or have a concern or complaint about a real estate salesperson or broker, you can file a complaint with DRE: https://dre.ca.gov/Consumers/FileComplaint.html

ABOUT DRE

The Department of Real Estate is the regulatory agency that enforces the Real Estate Law, Subdivided Lands Law, and Vacation Ownership and Timeshare Act. DRE oversees the licensure of approximately 434,000 licensees. The Department’s mission is to safeguard and promote the public interests in real estate matters through licensure, regulation, education, and enforcement. Consumer protection is its highest priority. For more information, visit: www.dre.ca.gov.

I rent, why should I get insurance?

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By Patrick McCarran, Real Estate Broker

It is a common misconception that the landlord’s or owner’s policy will cover the tenant’s possessions but that is false. A basic renter’s insurance policy is usually just a few hundred dollars a YEAR.

Perhaps you are in bed sleeping soundly and a rusty pipe bursts, drenching everything in dirty water or you turn away from the stove for just a brief moment, only to come back to a grease fire? You take your family to the movies only to come back to find your home ransacked and empty. This is a tragedy that does not have to happen. In the event of calamities such as these and more the owner’s policy will only cover the owner’s property. If you are the tenant you may have lost everything including the roof over your head in an instant. The renter’s policy may be used to replace your belongings and often pay for temporary housing or loss of use.  Coverage is also provided for personal liability protection and medical payments to others.

But wait there is more, remember when we talked about that fire, what if the bathtub or sink overflowed. Would you be responsible? If there is bodily injury or property damage to someone else, you may responsible through negligence if any of these incidents are deemed your fault.

Can someone sue for damage caused by your negligence if there’s nothing to take? Yes. We live in California, where anyone can and often will sue anyone for anything and everything. You might not have anything to take today, but the person holding that judgement will sit on it, renew it as necessary, and pounce when there’s finally something to collect. Is that the shadow you want to live under?

And don’t forget about other nearby homes and their insurance companies that are going to look at your assets, and your future earnings to recoup their loss.

How does the thought of giving half your paycheck to the other residents of the building for the next fifty years sound simply because you didn’t have California renters’ insurance liability coverage?

Some Basic Tips

  • Shop around for homeowner’s insurance.   Compare prices, service, and coverage.
  • Provide complete and accurate information to your agent or broker when requesting a quote or completing an insurance application.
  • Read before signing.  Make certain the policy reflects the limits and deductibles, coverage purchased, keep a copy of all signed documents in a safe place with other vital records.
  • Ask the broker or agent to explain any wording you find confusing.
  • Keep an inventory of personal property, listing all of the items you own, the dates purchased, and the price. If possible, take pictures of important and valuable items.  You may want to videotape your home and possessions as well.  Keep these records in a safe place away from home, preferably in a safe-deposit box, the cloud, or a relative’s house.  And remember to update periodically.
  • A Home Inventory Guide is available on the internet or drop me an email.
  • Remember that most policies cover replacement cost not current value so just because your furniture may have seen better days does not mean its worthless.
  • If you have anything of unique values such as an antique furniture or collector items tell you agent you may need a rider for additional coverage

You won’t know until you get a quote so get peace of mind — and full protection — call your insurance company today!

Patrick McCarran is a local Realtor and Broker He can be contact by phone or text at (925) 899-5536, pmccarran@yahoo.com or www.CallPatrick.com. Each office independently owned and operated. Equal Housing Opportunity.

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Save Mount Diablo acquires “five gorgeous acres” of privately owned property on the mountain

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The Nunn-Paulsen inholding, featuring rugged slopes and lush woodland. Photo: Cooper Ogden

Bob Nunn donates “Nunn-Paulsen Inholding” in memory of his father, Ron

“when he could look and see Mount Diablo, he knew he was home”

New law to expedite land acquisitions for state parks

By Laura Kindsvater, Senior Communications Manager, Save Mount Diablo

MOUNT DIABLO, CA— One of Mount Diablo’s last privately owned inholdings, rugged and biodiverse, is now permanently protected from development.

On December 2, 2025, Bob Nunn generously donated five gorgeous acres (known as the “Nunn-Paulsen inholding”), surrounded on four sides by Mount Diablo State Park, to Save Mount Diablo in memory of his late father, Ron Nunn, who passed away in August.

The project has taken just over three months from concept to close of escrow.

This incredible gift will bring us one step closer to making the mountain whole and protected for current and future generations.

Protecting inholdings like this is critical to maintaining the integrity of Mount Diablo and Mount Diablo State Park.

These privately held parcels have the potential to disrupt and threaten conservation efforts in the surrounding park if the inholdings were to be developed or poorly taken care of.

Location of the Nunn-Paulsen inholding on the northern slopes of Mount Diablo. Map graphic: Save Mount Diablo

“On behalf of Save Mount Diablo, I thank Bob Nunn for his generous donation of the strategic Nunn-Paulsen property to our organization in honor of his father, Ron Nunn,” said Ted Clement, Save Mount Diablo’s Executive Director.

“This property is on the slopes of Mount Diablo, and is an inholding surrounded on all sides by Mount Diablo State Park. Privately owned inholdings within public parks are major land acquisition priorities for Save Mount Diablo, so we are deeply grateful that this year our wonderful supporters enabled us to complete two inholding acquisitions within Mount Diablo State Park, the ‘Balcerzak inholding’ and now the ‘Nunn-Paulsen inholding.’

“We look forward to working with our good partner California State Parks so that we can eventually transfer these inholdings to them with the assistance of a new law we helped champion to make such acquisitions by state parks easier.”

New Law to Expedite Land Acquisitions for State Parks

View of Mount Olympia and North Peak, at the base of which sits the Nunn-Paulsen inholding. Photo: Scott Hein. Map inset of Mt. Diablo State Park peaks and trails. Source: trailmeister.com

We were delighted when Senate Bill 630 (SB 630) was signed into law on October 13th of this year as a result of persistent efforts from us and a dedicated working group of conservation organizations that we helped start last year.

For nearly 20 years, Mount Diablo State Park was unable to add any new land because of the onerous requirement that California State Parks gain approval from other agencies for even minor acquisitions, along with other issues.

The new law will expedite qualifying land acquisitions for California State Parks by allowing the addition of lands, with acquisition costs of $1 million or less, to existing state parks without the need for multiple agency approvals.

With this streamlined process, we are hopeful that inholdings and adjacent lands will now be more easily added to Mount Diablo State Park.

Thankfully, this year, Save Mount Diablo completed the purchase of the 10-acre Balcerzak inholding within Mount Diablo State Park on September 2nd by paying off the $537,500 mortgage so that our organization now owns the property free and clear.

Acquiring and protecting inholdings like the Nunn-Paulsen and Balcerzak inholdings are major accomplishments in our ongoing mission to save Mount Diablo and its sustaining wild lands.

The Nunn Family and Save Mount Diablo

Ron Nunn. Photo courtesy of Bob Nunn

For many years, Save Mount Diablo has deeply appreciated the partnership and support of the Nunn family. The Nunns have deep agricultural roots in Brentwood going back to the 1880s.

Fifth- and sixth-generation Brentwood farmers, they’ve also been involved in development of some of their lands into communities like the retirement community Summerset, and oil and gas, while reinvesting in other agricultural areas.

Responsible land management has always been a key practice of Three Nunns Farm, which is still a thriving family enterprise today.

With Blackhawk Development Company, the Nunns have been involved in many development-conservation projects, like Trilogy at the Vineyards on the remnant of the Cowell Ranch, where 90 percent of the land became a new state park and 10 percent was developed.

The Nunn family has been a major factor in Brentwood’s success.

Bob Nunn has also been a longtime friend and supporter of Save Mount Diablo. On August 20th, he offered to donate the Nunn-Paulsen inholding to Save Mount Diablo.

In the early 1990s, Bob was looking for a place to live, and his dad, Ron Nunn, knew a landowner, Dr. Warren Wise, who owned a property near the corner of Marsh Creek Road and Morgan Territory Road, where Save Mount Diablo made its first acquisition in 1976.

Ron Nunn and Dr. Wise both attended the University of the Pacific in Stockton. On the slopes off North Peak, the Wise property had been on our acquisition lists from the first list in 1972.

Bob called us and said, “There’s this property, it’s 83 acres with an old house I’m going to upgrade, how about I keep five acres and sell you the rest.”

Save Mount Diablo was able to acquire and add the property we named “Three Springs” to Mount Diablo State Park in 1992 thanks to the deal with Bob Nunn. He later served as a member of Save Mount Diablo’s Board of Directors for a time.

His recent thoughtful donation of the Nunn-Paulsen inholding is yet another way the Nunns have helped protect the mountain.

“This donation is being made in memory of my father Ron Nunn, who passed at 92 years of age on August 8, 2025. Although my father had many stories to tell, one that always stuck with me and that I also share is when he could look and see Mount Diablo, he knew he was home,” Bob explained, showing how the mountain means a lot to those of us who live in the Mount Diablo area and connects us.

Generosity and gratitude are the fabric of the land conservation community. During challenging times, donations like this are more important than ever. They help protect our natural foundation and quality of life, while also inspiring us.

As a pillar of the early Brentwood community, Ron Nunn was also a longtime supporter of the East Contra Costa Historical Society, working together to preserve Brentwood’s agricultural roots.

The Nunns placed agricultural conservation easements on some properties to permanently protect the farmlands from future development.

In 2015, the Nunns made a landmark deal with the East Bay Regional Park District to sell 646 acres of Nunn family farmland near Knightsen.

This transaction, in partnership with the East Contra Costa County Habitat Conservancy, allowed the East Bay Regional Park District to restore crucial Delta tidal and freshwater wetlands in the area.

A Biodiversity Gem

Lush vegetation covers the steep slopes of the Nunn-Paulsen inholding. Photo: Scott Hein

The Nunn-Paulsen property is a compact and biologically diverse gem. This Marsh Creek watershed location includes two ephemeral streams, harboring a huge variety of plant life on its steep, rocky slopes.

The property contains blue oak and live oak woodland and oak savanna habitat. California red-legged frog and Alameda whipsnake are special status species that are likely to be present on the property. They’re confirmed on the neighboring Three Springs property.

The serpentine rock on the Nunn-Paulsen land provides excellent growing conditions for rare plant species.

A hike there is both adventurous and intimate. In winter especially, the dramatic shape of the land means that storms and seasonal rain bring small waterfalls.

In addition to its important location on the slopes of Mount Diablo, the Nunn-Paulsen inholding is also strategically located in a wildlife corridor between Mount Diablo State Park and Black Diamond Mines Regional Preserve.

An Ambitious Conservation Vision and Growing Success, Piece by Piece

The Corner Piece, purchased by Save Mount Diablo in 1976. At the time, it was four miles from the boundary of Mount Diablo State Park. Today it is part of and connected to the rest of Mount Diablo State Park. Photo: Scott Hein

Save Mount Diablo has acquired and protected many important properties in the area near the recently acquired Nunn-Paulsen inholding.

In 1976, Save Mount Diablo’s very first acquisition was in this same area: The Corner Piece. The Corner Piece is 117 acres of blue oak woodland at the corner of Morgan Territory and Marsh Creek roads.

Soon after Save Mount Diablo acquired The Corner Piece, Mount Diablo State Park protected North Peak, allowing the creation of the Olympia Trail to Mount Olympia.

In 1992, Save Mount Diablo acquired and transferred the Three Springs property to California State Parks for inclusion in Mount Diablo State Park.

The Three Springs property. Save Mount Diablo was able to acquire and add the Three Springs property to Mount Diablo State Park in 1992 thanks to a deal with Bob Nunn. Photo: Scott Hein

In 1994, Save Mount Diablo’s community-funded purchase of the 333-acre Chaparral Spring parcel turned it into a thriving, protected oasis home to wildlife like the golden eagle and endemics like the Mount Diablo globe lily—and a critical step in creating a Mount Diablo State Park wildlife and recreational corridor.

Later we transferred the property to East Bay Regional Park District. Save Mount Diablo, the park district, and the East Contra Costa County Habitat Conservancy have since protected several thousand acres to connect the two parks.

Save Mount Diablo protected the botanical diversity of Young Canyon by preserving this property in 2006 in what we call the “Missing Mile” on the slopes of North Peak.

It nurtures well over a hundred species of flowers, including five California endemics, because it’s crossed by the only band of serpentine on Mount Diablo.

The landscape of Young Canyon includes a 1,420-foot knoll, a mossy, fern-filled stream canyon, and a rocky meadow of wildflowers where you’ll often see hawks and turkey vultures riding the constant breeze.

The next year, Irish Canyon was Save Mount Diablo’s breakthrough purchase, stopping development speculation and expanding the Mount Diablo–Black Diamond wildlife corridor.

This land is a vital 320-acre watershed property with over 297 species and a permanent pond.

In 2022, Save Mount Diablo successfully acquired a very important conservation easement from the Concord Mt. Diablo Trail Ride Association.

Save Mount Diablo’s conservation easement permanently protected from development 154 acres that are a prominent part of the Mount Diablo high peaks ecosystem, and another step in filling in the North Peak “Missing Mile.”

Krane Pond is one of Mount Diablo’s largest water sources, drawing all sorts of creatures, like bobcats, red-legged frogs, and migrating birds—so Krane Pond’s acquisition and protection by Save Mount Diablo in 2023 was vital to local habitat conservation.

It was another step in filling in the “Missing Mile.”

The Nunn-Paulsen property had been one of the few remaining privately owned inholdings not yet protected on Mount Diablo, and that changed on December 2nd with Save Mount Diablo’s successful acquisition of the land, thanks to Bob Nunn.

Holiday Gift, Gratitude, and What’s Next?

The Nunn-Paulsen inholding and the surrounding Mount Diablo State Park. Photo: Cooper Ogden

Bob Nunn’s generous donation of the strategic Nunn-Paulsen inholding on the slopes of Mount Diablo to Save Mount Diablo is a wonderful holiday gift for the mountain and our communities, including the people, flora, and fauna of the area.

Our stewardship team is excited to begin caring for the property.

At Save Mount Diablo, we are grateful for our supporters and the progress they have helped our organization make this year in successfully advancing our land conservation mission, including helping advance acquisition priorities for California State Parks.

The new law we helped champion (SB 630) that will streamline the acquisition process for California State Parks, and our completing the Balcerzak and Nunn-Paulsen inholding acquisitions, are major accomplishments.

SB 630 covers many properties our organization has been working to convey to California State Parks for addition to Mount Diablo State Park (the 101-acre CEMEX parcel, parts of Curry Canyon Ranch, the Balcerzak inholding, the Nunn-Paulsen inholding, the Viera North Peak property, etc.).

We look forward to working with California State Parks in the new year to start utilizing the new law to add these lands to Mount Diablo State Park.

Map showing the location of the Nunn-Paulsen inholding in Mount Diablo State Park. Map: Save Mount Diablo

For more information about Save Mount Diablo visit savemountdiablo.org.

East County Realtors offer 5 ways to help during the Christmas season

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Gift Wrapping Event at Barnes & Noble Thursday, Dec. 4; plus, Warm Coat and CANTREE Food Drives and more

By Jody Drewery, President, Women’s Council of REALTORS®

Real Estate is not just about buying and selling homes — it’s about showing up for our community. I’m proud to be a part of the Delta Women’s Council of REALTORS® and the Delta Association of REALTORS® Community Foundation, where giving back is at the heart of what we do.

This season, we have several opportunities to make a difference — and you don’t have to be a REALTOR® to help.

First, join us this Thursday! The Delta Women’s Council of REALTORS® will be at Barnes & Noble in the Streets of Brentwood (2475 Sand Creek Road, Suite 100) for a community Gift Wrapping Event and hosting Adopt-a-Senior.

You can also:

  • Donate to the Warm Coat Drive (see above)
  • Donate a Gift Card
  • Donate canned goods to the CANTREE Food Drive (see below)

Every contribution, big or small, helps someone in need — and with the year many families have had, from economic challenges to government impacts, there has never been a more meaningful time to come together.

If you’d like additional information or want to get involved, please call (925) 818-1977 or visit www.facebook.com/WCRDelta. Let’s collaborate and spread some love throughout our community!

Winter Prep: Protect your home from Mother Nature

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By Patrick McCarran, Real Estate Broker

We off to a good start for the Winter Weather and so “an once of prevention is worth a pound of cure”. Mother Nature can be harsh and is often fickle and the weather can change in a week or a day.  Get prepared now so you are ready for what comes next rain or shine, actions you take now can protect your property and prevent major damage.

One of the most important tasks is clean your gutters, often your gardener offers this service or check the Grapevine, the water can back up and leak in your house causing major damage. Check your down spouts to make sure they are clear and pointed away from the house or directed to the gutters in newer homes. Repair or replace roof shingles around any area that allows water to penetrate the roof sheathing. Don’t be fooled to think that tile roofs are maintenance free, the tiles break for various reasons and the rubber collars around vents deteriorate with age. So don’t wait for the leak in middle of a storm, call a roofer today to have them checked out. Check for holes or air leaks in the attic and crawlspace. Check that flashings, a thin metal strip, around the doors, windows, thresholds, chimney and roof are in tact. Apart from major flooding, most damage occurs when water seeps in through cracks and leaks. Make sure that windows and doors are well sealed. Seal any cracks and holes in the foundation and exterior walls.

Homeowners insurance can help protect you financially in case something happens to your property or its contents.  I know I have said this before, but it is very important to keep in mind that standard policies cover standard replacement, If you have significant upgrades see your insurance agent for a rider or increased coverage. Flood and earthquake damage is not covered under the traditional homeowners’ insurance policy and may be purchased separately. Periodically review your homeowner’s insurance policy to make sure that you are adequately covered to rebuild your home and replace its contents.

Now is a good time to call an HVAC company to have a checkup on your heater because we all know they tend to break on a Sunday or New Year’s Eve.

Install a spark arrestor on your chimney, eliminating brush and debris from around your property to prevent fires.

For earthquakes anchor appliances, dressers, TV, computer and other items to the wall you can buy straps at your local hardware store.  You may consider applying a safety film to non-tempered windows and glass doors to protect form shards of glass if broken. Install a gas auto shut-off device, any reputable plumber should be able to do this.

By taking precautions to protect your home, you can possibly help keep damage to a minimum when disasters strike; or in the case of severe damage, make sure that you have the financial means to rebuild.

For more information go to www.ibhs.org or www.fema.gov.

Patrick McCarran is a local Realtor and Broker DRE# 01325072. He can be contacted by phone or text at (925) 899-5536, pmccarran@yahoo.com or www.CallPatrick.com. In association with Realty One Group Elite DRE# 0193160. An independently owned and operated office. Equal Housing Opportunity.

Contra Costa Assessor’s report shows 1,341 more parcels, $12 billion increase in property values

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In annual Assessment Roll

By Allen D. Payton

In a letter to the Contra Costa County Board of Supervisors, county Assessor Gus Kramer informed them of this fiscal year’s Assessment Roll for the purpose of collecting property taxes and the net value has increased by almost $12 billion over last year.

The report shows San Pablo and Danville had the greatest increase while Concord and Pittsburg had the least, as well as an increase of 1,342 parcels due new development in the county.

Source: Contra Costa County Assessor’s Office

Kramer’s letter reads:

“Dear Members of the Board of Supervisors,

I am pleased to report the completion and official delivery of the 2025–2026 Contra Costa County Assessment Roll to the County Auditor-Controller, as required by law.

This year’s assessment roll reflects a total net assessed value of $290.66 billion, an increase of $11.67 billion—or 4.18%—over the previous year. This represents the highest total assessed value in the County’s history. Cities with the highest percentage increases in assessed value include San Pablo with 5.81%, and Danville with 5.28%. Cities with the most modest growth include Concord at 3.10%, and Pittsburg at 2.96%.

The total number of assessed parcels now stands at 382,022, an increase of 1,341 parcels compared to the previous year. This growth reflects ongoing development and investment throughout Contra Costa County.

I would like to take this opportunity to express my sincere appreciation to the staff of the Assessor’s Office for their professionalism, dedication, and tireless efforts in preparing an accurate and timely assessment roll for the 2025–2026 fiscal year.

Sincerely,

Gus S. Kramer

Assessor”

The duties of the County Assessor’s Office include:

  • Discovering and assessing all property within the County
  • Producing and delivering an assessment roll by July 1 of each year
  • Valuing all real property
  • Auditing all entities doing business in the County and valuing all taxable personal property
  • Establishing and maintaining a set of 11,000 maps for assessment purposes, delineating every parcel of land in the County
  • Providing a public information service to assist taxpayers with questions about property ownership and assessment

To review your property’s value visit Review Your Value and for more information call the office at (925) 313-7400.

Shopping for a new home? How’s your credit?

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By Patrick McCarran, Real Estate Broker

Are you tired of the instability of not having your own home and throwing your rent money down the drain?  Then the first step is making sure your credit is in order. Remember no credit is not good credit. The bank needs to see you can use credit but not abuse it. Although no one except the credit reporting agencies know exactly how the algorithm works these general tips are commonly acknowledged to help increase your credit score.

On-time payments improve your credit score tremendously. Set up the minimum payment with e-pay and choose the recurring option so it pays every month. Just remember to check your statements in case the minimum payment changes. Because you are setting this up at your bank you can change it or cancel anytime with the click of a mouse.

Keep your credit card balances under 40% of the limit. For example, if your limit is $5,000 then keep your balance amount to $2,000 to show that you are not pushing your limits, it is like the old saying they only give you money if you don’t need it. Also, it is good practice not to have your total unsecured credit balance over 50 percent of your annual salary. This applies even if you pay it off each month.

Use two credit cards. This is good and bad advice at the same time. If you have a credit card with a limit of $2,000, and you charge $1,500 on it, you’ve used 75 percent of your credit limit. Now if you split your amount into two, and spend $750 each, then the percentage of usage will be around 37 percent. So, it helps your FICO. Just don’t go on a credit card shopping spree.

Maintain a good mix of good and bad loans. Home and business loans are considered good loans. Personal loans and private label credit cards are considered bad loans. This is why investing in a home loan if you are a spendthrift is a better decision. You will have a good credit mix and build an asset.

It is a smart decision to pay your home loans over longer periods. Pay off your personal loans, credit cards and private loans first, as they tend to have a higher interest with no asset creation. Home loans, on the other hand but they build an asset. This is one of the underutilized logical tips to improve credit score. Pick a loan and set a goal and then focus on paying that one off (but don’t buy something to celebrate).

Many people tend to abandon their savings accounts without closing them. If you have less than your Minimum Average Balance it will start to affect your credit score. Also, when you finish paying a loan off, it’s imperative to get the loan closure certificate.

Check your credit reports regularly. Just go online and check your credit score at least once in a year, so that you can catch any mistakes and get it corrected. There have been cases when banks report you to FICO by mistake. Keep in mind that free reports are a consumer product and the credit score will vary depending on the type of credit you are applying for.

Monitor your co-signed joint accounts even if they are family. You need to monitor the statements closely to make sure everything is in order. There is no use complaining if you chose the wrong joint holder who was careless, and you don’t catch it.

If you know you will not be able to pay on time, call and negotiate with your bank. Banks may be willing to extend your loan period and reduce the EMI and the FICO will see you are proactive.

So, these are some of the tips to keep your credit score in check and get a better home loan. Feel free to contact me with any other questions or for more information.

Patrick McCarran is a local Realtor and Broker DRE# 01325072. He can be contact by phone or text at (925) 899-5536, pmccarran@yahoo.com or www. CallPatrick.com. An independently owned and operated office.  In association with Realty One Group Elite DRE# 0193160. Equal Housing Opportunity.

 

 

Basics Facts of Living Trusts: How do I avoid probate?

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By Patrick McCarran, Real Estate Broker

New Year and new resolutions! Make one to create a living trust. Even though you may have plenty of time you never know what life has planned. Many people mistakenly believe that if they have a Will the estate will not go through probate, this is patently wrong. Your heirs will go through probate and  pay the state a hefty sum to make a difficult period in your family lives more difficult.

The probate process in California can be expensive. The fees for Probate are based on the gross value of the assets and are a tiered rate according to the value of the estate, so if you have a house worth $500,000 but there is a $480,000 loan on the property you would potentially owe the state $13,000 for the probate tax leaving the heirs with $7000. In addition there are attorney fees, Executor fees, filling fees, and miscellaneous court fees!

The process for a probate is not quick and can easily take a year or more. If there are disputes, problems or a backed up court system, it can take much longer delaying closure for the family and draining money from the estate for expense such as a mortgage, other loans and credit cards.

Most of the deceased person’s property has to go through probate in an estate currently over $150,000, whether there is a will or not (intestate).  However, there are several instances where property and assets would avoid the process, such as assets that are held in joint tenancy or with a designated beneficiary.

You may be asking by now, “How do I avoid this?” I would not recommend transferring title to your heirs prior to death because this also will transfer the cost basis the profit of the item and create a tax burden for the heirs. A second option that helps avoid this is a deed on death which activates, on passing and can avoid the step up tax basis. The third option is a living trust, the cost basis is the value at time of death and therefore the heirs may have limited or no tax liability.

Real estate, bank accounts, and vehicles can be held in a living trust. A typical trust is the Family Trust and can be an individual or a couple who are the Trustees and, with their children or heirs, the Beneficiaries. Those who establish the trust and transfer their property into it are known as Trustors or Settlors. A successor trustee designated by the trust creator will execute the wishes of the Trustees via a will contained in the trust.  No contest clauses are placed in trusts as a caution to potential challengers.  Beneficiaries under the will or trust who challenge the document lose or forfeit their inheritance under the document, this discourages would-be challengers from contesting the document.

A Living Trust provides you with peace of mind now by setting a clear plan and knowing that your estate will be handled exactly as you wish later. It will also provide comfort to your loved ones during an already stressful time because you’ve laid everything out for them and eliminated stressful guesswork and government bureaucracy.

The purpose of this article is to help get you thinking and start a conversation with your family and appropriate legal counsel. I am not an estate planner nor an attorney.  This article is not meant as tax or legal advice.  The examples I have given are merely illustrative and should not be relied upon.  You should always consult with a tax consultant and/or lawyer for your specific circumstances.

Patrick McCarran is a local Realtor and Broker DRE# 01325072. He can be contacted by phone or text at (925) 899-5536, pmccarran@yahoo.com or www. CallPatrick.com. An independently owned and operated office.  In association with Realty One Group Elite DRE# 0193160. Equal Housing Opportunity.

Working with a Top-Rated Real Estate Agent in Stillwater MN: Why the Right Choice Matters

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top-rated-real-estate-agent-stillwater-MN

If you’re searching for the top-rated real estate agent in Stillwater MN or trying to find the best real estate agent in Stillwater MN, you’re not alone. Whether you’re buying your first home, upgrading, or preparing to sell, choosing the right professional can significantly impact your experience—and your results.

In a competitive market like Stillwater, Minnesota, working with an experienced, strategic, and client-focused team is essential. One name that consistently stands out is the David Reed Real Estate Team—a trusted group known for delivering clear guidance, strong communication, and proven success.

Why Choosing the Best Real Estate Agent in Stillwater MN Matters

Buying or selling a home is one of the biggest financial decisions you’ll ever make. From pricing and negotiations to timelines and inspections, there are many moving parts.

Working with the best real estate agent in Stillwater MN ensures that you:

  • Have a clear, strategic plan
  • Avoid costly mistakes
  • Maximize your investment
  • Experience a smoother, less stressful process

This is where the David Reed Real Estate Team truly excels.

Who Is the Top-Rated Realtor in Stillwater MN?

Anyone researching the top-rated realtor in Stillwater MN will quickly notice that the David Reed Real Estate Team consistently ranks among the best options for buyers and sellers alike.

Their reputation is built on more than just experience—it’s rooted in a thoughtful, strategy-driven approach that puts clients first.

A Strategy-First Approach That Sets Them Apart

While many agents follow a standard process, this team takes a different path.

They develop a customized strategy for every client, taking into account:

  • Personal goals
  • Timeline
  • Market conditions
  • Long-term plans

This proactive approach helps clients move from uncertainty to confidence—making smarter decisions every step of the way.

What Makes the Best Real Estate Agent in Stillwater MN?

To understand why this team is often considered both the top-rated real estate agent in Stillwater MN and the best real estate agent in Stillwater MN, let’s break down the qualities that truly matter.

1. Deep Local Knowledge

Stillwater is known for its historic homes, scenic river views, and strong community appeal. A knowledgeable agent understands:

  • Neighborhood-specific pricing
  • Market trends
  • Buyer demand
  • Seasonal fluctuations

The David Reed Real Estate Team uses real-time insights to guide clients with precision.

2. Consistent, Clear Communication

A hallmark of the best real estate agent in Stillwater MN is strong communication.

Clients appreciate:

  • Quick responses
  • Honest updates
  • Clear explanations

This team ensures you’re never left wondering what’s happening—you’re informed and supported at every stage.

3. Skilled Negotiation

Negotiation is where deals are won or lost.

Whether buying or selling, a top-rated real estate agent in Stillwater MN must be able to:

  • Navigate multiple-offer situations
  • Structure competitive offers
  • Negotiate favorable terms
  • Protect your interests

The David Reed Real Estate Team brings both strategy and experience to the table, helping clients secure optimal outcomes.

4. Advanced Marketing for Sellers

Today’s real estate market requires more than a basic listing. It demands a strategic marketing approach.

As one of the best real estate agents in Stillwater MN, this team provides:

  • Professional staging guidance
  • High-quality photography
  • Strategic pricing plans
  • Targeted digital marketing

Their goal is to generate strong interest and attract serious buyers quickly.

Concierge-Level Service That Elevates Results

One of the key reasons clients choose the David Reed Real Estate Team is their concierge-style service.

They go beyond the basics by helping sellers prepare their homes to shine in the market.

This includes:

  • Coordinating staging and cleaning
  • Preparing the home for showings
  • Ensuring a polished presentation
  • Launching with a strong marketing strategy

This level of detail often results in:

  • Faster sales
  • Higher offers
  • Fewer price reductions

A Better Buying Experience

For buyers, working with the best real estate agent in Stillwater MN provides a competitive edge.

The David Reed Real Estate Team helps buyers:

  • Understand the market
  • Identify the right homes
  • Submit strong offers
  • Navigate inspections and closing

They simplify the process so you can focus on finding the right home with confidence.

What Clients Are Saying

The true sign of a top-rated real estate agent in Stillwater MN is client satisfaction.

The David Reed Real Estate Team consistently receives praise for:

  • Going above and beyond
  • Providing a smooth experience
  • Being honest and reliable

Clients often describe the team as knowledgeable, supportive, and easy to work with—making what can be a stressful process feel manageable and even enjoyable.

Built on Referrals and Long-Term Trust

One of the strongest indicators of the best real estate agent in Stillwater MN is repeat business.

More than 70% of the David Reed Real Estate Team’s business comes from referrals and past clients.

This level of loyalty reflects:

  • Strong relationships
  • Consistent results
  • High client satisfaction

People don’t just work with them once—they recommend them again and again.

Why Stillwater MN Continues to Attract Buyers and Sellers

Stillwater is one of Minnesota’s most desirable places to live, offering:

  • A charming historic downtown
  • Beautiful riverfront views
  • Strong property values
  • A vibrant local community

Because demand remains high, working with a top-rated real estate agent in Stillwater MN is essential to navigating the market successfully.

How to Choose the Best Real Estate Agent in Stillwater MN

If you’re comparing agents, here are a few key things to look for:

  • Proven local experience
  • Strong client reviews
  • A clear, strategic approach
  • Effective communication
  • A trustworthy and professional demeanor

The right agent will not only guide you—but also give you confidence in every decision you make.

Final Thoughts

Whether you’re searching for the top-rated real estate agent in Stillwater MN or simply want the best real estate agent in Stillwater MN, the goal is the same: to find someone who can deliver results while making the process smooth and stress-free.

The David Reed Real Estate Team has built their reputation on:

  • Strategic planning
  • Clear communication
  • Expert negotiation
  • Exceptional service

They don’t just help you buy or sell—they help you succeed.

Ready to Buy or Sell in Stillwater MN?

If you’re ready to take the next step, the David Reed Real Estate Team is here to help.

With a proven system, local expertise, and a commitment to your success, they are a trusted choice for anyone looking to buy or sell in Stillwater.

Contact the David Reed Real Estate Team today to get started and experience what it’s like to work with one of the best real estate agents in Stillwater MN.