120 Reflections Dr, Apt 22, San Ramon, CA 94583 Property Records

Contra Costa County property record for 120 Reflections Dr, Apt 22, San Ramon, CA 94583

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 474 sqft · built 1988
Lot Size	0.011 acres (481 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Oct 2021)
Tax Bill	$5,653 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`213-771-130-1`

Property Details

APN / Parcel Number

Primary APN	`213-771-130-1`
Alternative APN	`213-771-130`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	474 sqft Living Area
1st Floor Area	474 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Lot Area	481 sqft (0.011 acres)
Garage Type	Attached
Garage Area	180 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	120 REFLECTIONS DR, 22
City	SAN RAMON
State	CA
Zip	94583-4723
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	T6780 L1 B19 U22
Legal Subdivision	REFLECTIONS SUB 6780
Legal Tract	6780
Legal Block	19
Legal Lot Number	1
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	4
Census Block	4002
Census Tract	345111

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	Individual Name on Record
Mailing Address	120 REFLECTIONS DR, 22, SAN RAMON, CA 94583-4723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Line of Credit SAFEAMERICA CU
Oct 21, 2021	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Feb 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LENDUS LLC
May 28, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
May 28, 2020	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	May 28, 2020 · Amount on Record
Deed Document Number	2021296656
Prior Transfer Date	Feb 9, 2021
Prior Transfer Doc	0000048005
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	120 REFLECTIONS DR APT 22, 22, SAN RAMON, CA 94583-4723
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 REFLECTIONS DR 22, 22, SAN RAMON, CA 94583-4723

Mortgage

Document Number	0000057837
Date	Apr 4, 2022
Instrument	2022-057837

Lender

Name	SAFEAMERICA CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Oct 21, 2021
Property Address	120 REFLECTIONS DR APT 22, 22, SAN RAMON, CA 94583-4723
Document Number	0000296656
Map Reference	MB 326 PG 1
Instrument Date	Oct 19, 2021
Instrument	2021-296656
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 REFLECTIONS DR APT 22, 22, SAN RAMON, CA 94583-4723

Mortgage

Document Number	0000296657
Date	Oct 21, 2021
Instrument	2021-296657

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CONTRA COSTA CA
Recording Date	Feb 17, 2021
Property Address	120 REFLECTIONS DR APT 22, 22, SAN RAMON, CA 94583-4723
Document Number	0000048005
Map Reference	MB 326 PG 1
Instrument Date	Feb 9, 2021
Instrument	2021-048005
Transaction Type	Transfer
Record Updated	Nov 3, 2022
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
Address	6395 ZERMATT CT, RENO, NV 89511-5053

Mortgage

Document Number	0000048006
Date	Feb 17, 2021
Instrument	2021-048006

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

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

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 28, 2020
Property Address	120 REFLECTIONS DR APT 22, 22, SAN RAMON, CA 94583-4723
Document Number	0000101032
Instrument Date	May 22, 2020
Instrument	101032
Transaction Type	Transfer
Record Updated	Jun 5, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	6395 ZERMATT CT RENO NV 895115053, RENO, NV 89511-5053

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 28, 2020
Property Address	120 REFLECTIONS DR APT 22, 22, SAN RAMON, CA 94583-4723
Document Number	0000101033
Map Reference	MB 326 PG 1
Instrument Date	May 15, 2020
Instrument	2020-101033
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6395 ZERMATT CT, RENO, NV 89511-5053

Mortgage

Document Number	0000101034
Date	May 28, 2020
Instrument	2020-101034

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

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

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	San Ramon City
Unified School District	San Ramon Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$395,000 (-11.38%) Land $211,607 Building $183,393
2025	$5,653.00 (+3.18%) Homeowner's exemption	$445,706 (+4.04%) Land $238,771 Building $206,935
2023	$5,479.00 (+0.07%) Homeowner's exemption	$428,400 Land $229,500 Building $198,900
2022	$5,475.00

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

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

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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