1099 Sanders Dr, Moraga, CA 94556 Property Records

Contra Costa County property record for 1099 Sanders Dr, Moraga, CA 94556

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,967 sqft · built 1960
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Jun 2012)
Tax Bill	$11,995 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`258-183-014-4`

Property Details

APN / Parcel Number

Primary APN	`258-183-014-4`
Alternative APN	`258-183-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,967 sqft Living Area
1st Floor Area	1,967 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Lot Area	8,500 sqft (0.195 acres)
Garage Type	Attached
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1099 SANDERS DR
City	MORAGA
State	CA
Zip	94556-1937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	TRACT 2592 62
Legal Subdivision	TOWN OF MORAGA
Legal Tract	2592
Legal Lot Number	62
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3009
Census Tract	352102

Owner

Source: Contra Costa County records, as of July 21, 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	1099 SANDERS DR, MORAGA, CA 94556-1937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Nov 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Aug 31, 2020	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Dec 26, 2017	Deed of Trust, Mortgage · Line of Credit SF FIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2012 · Amount on Record
Deed Sale	Jun 7, 2012 · Amount on Record
Deed Document Number	2012134534
Prior Transfer Date	Sep 12, 2005
Prior Transfer Doc	0000362739
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Recording Date	Jul 14, 2026
Property Address	1099 SANDERS DR, MORAGA, CA 94556-1937
Document Number	0000073739
Instrument Date	Jul 7, 2026
Instrument	202673739
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 SANDERS DR, MORAGA, CA 94556-1937

Mortgage

Document Number	0000073739,
Date	Jul 14, 2026
Instrument	202673739

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1099 SANDERS DR, MORAGA, CA 94556-1937
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000210949
Date	Nov 8, 2017
Instrument	2017-210949

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1099 SANDERS DR, MORAGA, CA 94556-1937
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 SANDERS DR, MORAGA, CA 94556-1937

Mortgage

Document Number	0000188205
Date	Aug 31, 2020
Instrument	2020-188205

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1099 SANDERS DR, MORAGA, CA 94556-1937
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 SANDERS DR, MORAGA, CA 94556-1937

Mortgage

Document Number	0000188204
Date	Aug 31, 2020
Instrument	2020-188204

Lender

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

Agreement

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

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1099 SANDERS DR, MORAGA, CA 94556-1937
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 SANDERS DR, MORAGA, CA 94556-1937

Mortgage

Document Number	0000120337
Date	Jul 29, 2022
Instrument	2022-120337

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2062

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Aug 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	Other
Max Rate	11.3%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	1099 SANDERS DR, MORAGA, CA 94556-1937
Document Number	0000009134
Instrument Date	Dec 26, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1099 SANDERS DR MORAGA CA 945561937, MORAGA, CA 94556-1937

Mortgage

Document Number	0000009134
Date	Jan 22, 2018
Instrument	9134

Lender

Name	SF FIRE CU
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 21, 2043

Interest

Rate Type	Adjustable Rate

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		$949,662 (+2%) Land $768,701 Building $180,961
2025	$11,995.00 (+5.75%) Homeowner's exemption	$931,042 (+4.04%) Land $753,629 Building $177,413
2023	$11,343.00 (+1.59%) Homeowner's exemption	$894,890 Land $724,365 Building $170,525
2022	$11,166.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	High above 76% of the US · above 52% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 281 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

May also be available: Etheric Networks, Verizon.

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