10 Spring Garden Ct, San Ramon, CA 94583 Property Records

Contra Costa County property record for 10 Spring Garden Ct, San Ramon, CA 94583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,720 sqft · built 1988
Lot Size	0.105 acres (4,560 sqft)
Owner	Trust Name on File
Tax Bill	$6,045 (2025)
Deeds & Mortgages	Jul 2022 Reverse Mortgage Nov 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`213-460-085-3`

Property Details

APN / Parcel Number

Primary APN	`213-460-085-3`
Alternative APN	`213-460-085`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,720 sqft Living Area
1st Floor Area	810 sqft
2nd Floor Area	910 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cluster
Lot Area	4,560 sqft (0.105 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	10 SPRING GARDEN CT
City	SAN RAMON
State	CA
Zip	94583-4704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T6646 L72
Legal Subdivision	SUBDIVISION 6646
Legal Tract	6646
Legal Lot Number	72
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4005
Census Tract	345111

Owner

10 Spring Garden Ct is owner-occupied and held in a trust since February 1997.

Source: Contra Costa County records, as of August 25, 2026

Owner of Record	Trust Name on File
Mailing Address	10 SPRING GARDEN CT, SAN RAMON, CA 94583-4704
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Nov 15, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 19, 1997
Transfer Doc	0000047190
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 20, 2022
Property Address	10 SPRING GARDEN CT, SAN RAMON, CA 94583-4704
Document Number	0000116145
Map Reference	MB 298 PG 15-20
Instrument Date	Jul 6, 2022
Instrument	2022-116145
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

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	Revocable Trust
Address	10 SPRING GARDEN CT, SAN RAMON, CA 94583-4704

Mortgage

Document Number	0000116146
Date	Jul 20, 2022
Instrument	2022-116146

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	808 Months
Due	Nov 4, 2089

Interest

Rate Type	Fixed Rate

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Nov 15, 2021
Property Address	10 SPRING GARDEN CT, SAN RAMON, CA 94583-4704
Document Number	0000315262
Map Reference	MB 298 PG 15-20
Instrument Date	Jun 25, 2021
Instrument	2021-315262
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FNC TITLE SERVICES LLC

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	Revocable Living Trust
Address	10 SPRING GARDEN CT, SAN RAMON, CA 94583-4704

Mortgage

Document Number	0000315263
Date	Nov 15, 2021
Instrument	2021-315263

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	816 Months
Due	Nov 4, 2089

Interest

Rate Type	Adjustable Rate
Rate	1.63%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

Mortgage

Document Number	0000315264
Date	Nov 15, 2021
Instrument	2021-315264

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	816 Months
Due	Nov 4, 2089

Interest

Rate Type	Adjustable Rate
Rate	1.63%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 10 Spring Garden Ct was $6,045 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	San Ramon City
Unified School District	San Ramon Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$464,427 (+2%) Land $252,507 Building $211,920
2025	$6,045.00 Homeowner's exemption	$455,321 Land $247,556 Building $207,765
2023	$5,802.00 (+1.19%) Homeowner's exemption	$437,643 Land $237,944 Building $199,699
2022	$5,734.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 10 Spring Garden Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 10 Spring Garden Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	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 686 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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