108 Derby Ln, Moraga, CA 94556 Property Records

Contra Costa County property record for 108 Derby Ln, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,178 sqft · built 1972
Lot Size	0.63 acres (27,440 sqft)
Owner	Company Name on File
Last Sale	$3,000 (Apr 2006)
Tax Bill	$18,253 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`256-281-013-1`

Property Details

APN / Parcel Number

Primary APN	`256-281-013-1`
Alternative APNs	`256-281-013` `2562810107`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	4,178 sqft Living Area
Gross Area	4,845 sqft
1st Floor Area	4,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1990
Lot Area	27,440 sqft (0.63 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	108 DERBY LN
City	MORAGA
State	CA
Zip	94556-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	TRACT 4005 LOT 24 & POR L23
Legal Subdivision	SUBDIVISION 4005
Legal Tract	4005
Legal Lot Number	24,23
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	1
Census Block	1011
Census Tract	352101

Owner

Source: Contra Costa County records, as of July 14, 2026

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

Owner of Record	Company Name on File
Mailing Address	108 DERBY LN, MORAGA, CA 94556-2155
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2006 · Amount on File
Deed Sale	Apr 12, 2006 · Amount on File
Prior Sale	Jun 27, 1997 · Amount on File
Deed Document Number	2006113810
Prior Transfer Date	Jun 30, 1994
Prior Transfer Doc	0000175404
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	108 DERBY LN, MORAGA, CA 94556-2155
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000173519
Date	Aug 17, 2020
Instrument	2020-173519

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	108 DERBY LN, MORAGA, CA 94556-2155
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 DERBY LN, MORAGA, CA 94556-2155

Mortgage

Document Number	0000057299
Date	Feb 25, 2021
Instrument	2021-057299

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

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		$1,514,422 (+2%) Land $431,922 Building $1,082,500
2025	$18,253.00 (+5.81%) Homeowner's exemption	$1,484,728 (+4.04%) Land $423,453 Building $1,061,275
2023	$17,251.00 (+1.61%) Homeowner's exemption	$1,427,075 Land $407,010 Building $1,020,065
2022	$16,978.00

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
Nearby Flood Policies	4 in force

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 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Etheric Networks, Verizon.

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