A Bay Point ownership budget should separate the water account, sewer and street-sweeping items on the tax bill, insurance and maintenance of the actual home. Adding every service as a new monthly expense can double-count charges already included elsewhere. A low purchase price or a broad regional cost estimate cannot establish the household’s actual annual obligations.
This original worksheet combines current water-tariff arithmetic with a locally grounded evidence checklist. It contains no private bills, contractor quotations or insurance offers. Use it alongside the Bay Point overview, then replace the assumed inputs with actual account and property records.
Start with the parcel, accounts and payment channels
Identify the actual assessor parcel number and current tax bill, then list each utility account and any association payment. Record where each service is paid: directly to the provider, through the tax roll or through an association. A complete annual budget follows the charge rather than assuming every provider sends a separate household bill. Retain the original bills so another reviewer can reproduce the totals.
For a shared-ownership home, verify which services are included in the actual dues before adding them independently. The governing documents and current financial packet should establish those inclusions. This article focuses on avoiding duplicate household costs; it does not interpret an unavailable association budget or assign a charge to a particular condominium.
Use the current Bay Point water schedule, not a future proposal
Golden State Water’s Bay Point page distinguishes current tariffs from its application proposing 2028–30 rates. The linked BY-1-R schedule is effective July 1, 2026. A future proposal should not be inserted into the current budget as an adopted charge.
The schedule applies to its stated individually metered single-family residential class. Confirm the actual account and meter before using it. An association master-meter arrangement or another account class may need a different analysis. The same Bay Point address label cannot establish that every household uses an identical tariff row.
The illustration assumes a five-eighths-by-three-quarter-inch meter and compares seven with twelve CCF per month. These are chosen inputs, not measured consumption for any public-record example. The calculation adds the stated monthly service charge to the relevant quantity tiers, applying the first tier before the next tier.
This is a base component only. The tariff separately identifies the reimbursement fee and other applicable charges or credits. Some printed conditions have defined periods, including a surcharge whose stated thirty-six-month period began in October 2023. Do not blindly add every printed item to an October 2026 bill without checking its actual applicability and any later provider information.
A twelve-month projection below assumes identical consumption and unchanged July rates throughout. It is not an actual calendar-year 2026 total. Actual household consumption, billing periods, rate changes and adjustments must be handled in the real forecast. Preserve those assumptions so a future revision can be reproduced.
Original Bay Point utility calculation and annual-budget screen
| Input/result | Illustration A | Illustration B |
|---|---|---|
| Assumed monthly use and meter | 7 CCF; 5/8 × 3/4 inch | 12 CCF; 5/8 × 3/4 inch |
| Monthly base formula | $39.48 + 7 × $6.397 | $39.48 + 8 × $6.397 + 4 × $7.356 |
| Unrounded monthly base | $84.259 | $120.080 |
| 12 identical months; unrounded base × 12, then rounded | $1,011.11 | $1,440.96 |
| Difference in these projected base components | $429.85 annually; not a guaranteed conservation saving or household forecast | |
Excluded: UF, applicable surcharges/credits, billing-rounding effects, changed rates/use, sewer, street sweeping, new/enlarged-service charges and private repairs. No special fire-sprinkler or assistance eligibility assumed.
| Item | Evidence | Double-count check |
|---|---|---|
| Water | Actual account, meter, complete bills and applicable schedule | Individual bill or association-paid service? |
| Sewer | Delta Diablo class/charge and actual tax-roll entry | Already included in the annual tax total? |
| Street sweeping | Separate district charge and actual tax entry | Different from sewer and ordinary garbage service |
| Taxes / association / insurance | Actual parcel bill, current packet and address-specific offer | Identify included services before adding separate lines |
| Maintenance and capital work | Inspection, equipment history, scoped quotes | Separate recurring expense, immediate work and reserve |
Sewer charges follow a different local arrangement
The Regional Water Board’s 2026 Delta Diablo order identifies the district as owner and operator of Bay Point’s collection system, while Pittsburg and Antioch retain their own collection systems. That distinction helps explain why copying a neighboring city’s charges can produce the wrong budget.
Delta Diablo’s FY 2026/27 adoption page records the June 2026 action and annual tax-roll collection. It identifies a Bay Point residential increase of $60.04 and distinguishes the current fiscal-year action from future maximum increases. A maximum authorized for a later year is not automatically that year’s adopted household charge.
The linked April proposal presentation supplies historical rate context and explains that Bay Point’s charge includes collection. It should retain its proposal date and be read with the later adoption page. Obtain the actual account classification and tax entry rather than treating a regional comparison table as the subject property’s bill.
Keep street sweeping distinct from sewer and garbage
The district’s street-sweeping notice describes a separate annual tax-roll charge. Its service and payment route should not be merged with sewer merely because the same district administers it. It is also not automatically the ordinary garbage-collection bill.
Read the actual tax bill line by line and label each relevant charge. If the full annual tax total is already in the worksheet, do not add these included items again. Alternatively, separate the tax and service components consistently, with the arithmetic showing how the total was divided. The goal is one count for each actual expense.
Use the current parcel record and actual insurance offer
The County’s Tax Collector lookup provides the actual account research route and warns that pending payments or corrections can affect displayed information. Preserve the date and bill period used. A current balance is not necessarily the annual recurring total, and a seller’s historical bill is not a certified buyer forecast.
Ask qualified advisers how the actual transfer and documented property arrangements affect the buyer’s obligations. If a program covenant appears in the file, obtain its actual current terms and appropriate review. The County’s Housing Successor report identifies particular histories; it does not assign identical restrictions or charges to every Bay Point home.
Request insurance for the actual address, occupancy, structures and known condition. Compare offers on consistent coverage and deductible assumptions. A seller’s premium or nearby quote cannot establish what the buyer will be offered. Keep any requested follow-up work with the inspection and immediate-work budget.
Use equipment records to plan maintenance, not invent costs
Choose the budget period before combining the figures. Delta Diablo’s fiscal-year adoption covers July through June, while water history may arrive as bills spanning different dates. A calendar-year comparison needs the applicable charges and consumption for that period, not a mixture of a fiscal-year total and an unrelated partial-year account balance. Label any projection separately from actual paid history. When a charge is collected through tax installments, its payment timing also differs from an ordinary monthly utility bill even if the worksheet shows a monthly equivalent.
For a buyer choosing between two homes, first apply the same household assumptions and then show supported property differences. A lower previous water bill could reflect fewer occupants or different outdoor use rather than a lower inherent cost of the home. Compare actual meter classes, payment arrangements and equipment before attributing the difference to the property. If one home has association-paid service, reconcile that cost within the dues instead of pretending it is free. The resulting comparison should make clear which inputs describe the buyer’s plans and which describe the existing property obligations.
Actual County reports identify water-heater work at 1153 Chadwick Circle and HVAC-related work at 768 Chadwick Lane. Those issued entries provide equipment-history leads, not present inspections or replacement quotes. For the subject, obtain the actual equipment details, later signoffs and maintenance history before deciding what needs service now.
The February 2026 report also contains narrower window, door and fan examples. Keep their scope intact. A component permit cannot establish that the entire house was renovated, while the permit valuation should not be used as the buyer’s current repair price.
Have the appropriate reviewer distinguish recurring maintenance, identified immediate work and a supported future reserve. Obtain comparable quotes with scope and exclusions visible. Do not count the same replacement in both the immediate-work total and an unexplained contingency. A clear blank awaiting a specific quote is more useful than an invented local average.
Finish with separate annual, immediate-work and capital totals, each supported by dates and assumptions. Use the Contra Costa County guide for context and the financing guide for affordability planning. The Bay Point budget should follow the actual account, tax-roll and ownership arrangements rather than combining unrelated charges.
