10 Lucia Ln, Moraga, CA 94556 Property Records

Contra Costa County property record for 10 Lucia Ln, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,417 sqft · built 1968
Lot Size	0.609 acres (26,520 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,855 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`256-194-008-7`

Property Details

APN / Parcel Number

Primary APN	`256-194-008-7`
Alternative APN	`256-194-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,417 sqft Living Area
Gross Area	2,867 sqft
1st Floor Area	2,417 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	26,520 sqft (0.609 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	10 LUCIA LN
City	MORAGA
State	CA
Zip	94556-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 3562 LOT 78 EX MR
Legal Subdivision	MAP/SUB 3562
Legal Tract	3562
Legal Lot Number	78
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3015
Census Tract	351200

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	2 Individual Names on Record
Mailing Address	10 LUCIA LN, MORAGA, CA 94556-2414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Mar 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	10 LUCIA LN, MORAGA, CA 94556-2414
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LUCIA LN, MORAGA, CA 94556-2414

Mortgage

Document Number	0000135862
Date	Sep 6, 2022
Instrument	2022-135862

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 8, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	10 LUCIA LN, MORAGA, CA 94556-2414
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LUCIA LN, MORAGA, CA 94556-2414

Mortgage

Document Number	0000053962
Date	Mar 29, 2022
Instrument	2022-053962

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	10 LUCIA LN, MORAGA, CA 94556-2414
Document Number	0000058319
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	Apr 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6 LUCIA LN MORAGA CA 945562414, MORAGA, CA 94556-2414

Mortgage

Document Number	0000058319
Date	Mar 26, 2020
Instrument	58319

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	ALAMEDA, CA 94502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Moraga Town
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Moraga Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$468,935 (+2%) Land $209,084 Building $259,851
2025	$6,855.00 (+5.46%) Homeowner's exemption	$459,741 (+4.04%) Land $204,985 Building $254,756
2023	$6,500.00 (+1.47%) Homeowner's exemption	$441,890 Land $197,026 Building $244,864
2022	$6,406.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	5 (1980–1995)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jan 1995 · Severe Winter Storms, Flooding, Landslides, Mud Flows

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Etheric Networks, Unwired, Verizon.

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