109 Oak Rd, Orinda, CA 94563 Property Records

Contra Costa County property record for 109 Oak Rd, Orinda, CA 94563

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,166 sqft · built 2000
Lot Size	0.46 acres (20,037 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Oct 2003)
Tax Bill	$21,152 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`273-093-003-5`

Property Details

APN / Parcel Number

Primary APN	`273-093-003-5`
Alternative APN	`273-093-003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,166 sqft Living Area
1st Floor Area	2,027 sqft
2nd Floor Area	1,139 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2002
Lot Area	20,037 sqft (0.46 acres)
Garage Type	Attached
Garage Area	721 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	109 OAK RD
City	ORINDA
State	CA
Zip	94563-3349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK SPRINGS #3 POR LTS 88-90 & PLOT C
Legal Subdivision	OAK SPGS 03
Legal Block	C
Legal Lot Number	88-90
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	2
Census Block	2003
Census Tract	353001

Owner

109 Oak Rd is owned and occupied by two individuals who bought it in October 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 OAK RD, ORINDA, CA 94563-3349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Aug 4, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2003 · Amount on File
Deed Sale	Oct 22, 2003 · Amount on File
Prior Sale	Apr 11, 2003 · Amount on File
Deed Document Number	2003524974
Prior Transfer Date	Nov 13, 1998
Prior Transfer Doc	0000308885
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	109 OAK RD, ORINDA, CA 94563-3349
Document Number	0000233291
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	109 OAK RD ORINDA CA 945633349, ORINDA, CA 94563-3349

Mortgage

Document Number	0000233291
Date	Dec 27, 2019
Instrument	233291

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.12%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	109 OAK RD, ORINDA, CA 94563-3349
Document Number	0000147027
Instrument Date	Aug 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 OAK RD ORINDA CA 945633349, ORINDA, CA 94563-3349

Mortgage

Document Number	0000147027
Date	Aug 15, 2017
Instrument	147027

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 Oak Rd was $21,152 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	Orinda City
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Orinda Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,711,935 (+2%) Land $870,131 Building $841,804
2025	$21,152.00 Homeowner's exemption	$1,678,369 Land $853,070 Building $825,299
2023	$20,475.00 (+2.68%) Homeowner's exemption	$1,613,198 Land $819,946 Building $793,252
2022	$19,941.00

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

Flood

FEMA maps place 109 Oak Rd in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1978.

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	9 in force
Nearby Flood Claims	22 (1978–2005)
Claims Outside the SFHA	2 of 22
Most Recent Claim	Dec 2005 · Severe Storms, Flooding, Mudslides, And Landslides
Claims by Event	Severe Storms, Flooding, Mud And Landslides, Jan 1997 · 6 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 4 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 3 claims

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

Wildfire risk around 109 Oak Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 69% 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: AT&T, Unwired.

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